I have used CareCredit in the past for medical, dental, and vet expenses for the last 5 years but haven't needed to for several months. They decreased my limit without notifying me by 2/3 (from $3900 to $1024)- found out today on my credit report when I noticed a 10 point drop out of nowhere. When I contacted customer service, they told me it was because of my credit report- not that I hadn't used it in a while. I asked for my previous limit to be reinstated, to which they replied "we can ask for an increase again for you." No, because that would ding my credit report further. I asked to speak to someone else, they transferred me to a manager who told me the decrease happened on 7/30/21. I again reiterated my frustration that I was never notified about this and that I know it wasn't related to my credit score as nothing about my spending habits or score had changed in many months. It was then that I was notified of it being because of inactivity and was once again offered to "request an increase, " which, again, dings my credit further. If CareCredit is supposed to be used for medical payments and emergencies, why am I being punished for having good fortune to not need medical care? And to do it without notifying me of the change- what would have happened if I needed to pay a large medical bill and was suddenly short thousands of dollars? I've had the same limit for years without issue and would like my previous limit reinstated without damage to my credit score.