Key Takeaways A lowered credit limit isn’t always personal since issuers often cut limits as part of broader changes. The major issue could involve your credit utilization ratio, which jumps overnight since whatever balance is factored against a lower limit. Pausing spending, paying down high-utilization cards, checking your credit reports, and updating your income can help protect your credit score. You've paid every bill on time and kept your balances low. Then you check your account, and your c ...