In the last week two credit card companies notified me that they are lowering limits on my cards. The last one I used a convenience check to make a business purchase, and a credit card rep actually called me up asking me what it was for! I refused to tell him.. I told him it was none of his business.. he responded that he needed to know so he could approve it. I responded that I have paid the bills on time since I got the card, so I don't see a problem with actually utilizing my credit. Are they being more careful now, or is this indicative of something else going on with the banks that we don't know about yet?