Ten years ago, after being laid off and going into business for myself, I juggled every day to keep the bills paid and figure out where the next paycheck was coming from.
When I needed them most, the big banks behind all of my credit cards did one of 3 things: Canceled my account, cut my credit limit or raised my interest rate - even though I never missed a payment and was nowhere near maxed out on any of them.
Today, I received two solicitations from banks telling me they've pre-approved an increase in my credit limit - all I have to do is call and ask.
I have a long memory. I won't ever forgive them for the central role they played in the financial crisis of 2008-9 (or the next one, which they will undoubtedly cause too). I can't avoid avoid doing business with them altogether, and I still carry a few of their credit cards. But they get as little of my money as possible. And they will NOT be getting a request to raise my credit limit.