<prompt> Human: I got a message on my account this morning that they decided to lower my limit to 500, which was the original amount. Ive only had this card since September or October of last year. I got it for my wedding. Right now theres a balance of 326.79 on it. Ive never missed or been late with a payment. A while after I got the card, they raised the limit to 700 without me even asking. But now its back down to 500?In the message they sent me, it says theyve taken this action for the following reasons. Bureau reports insufficient credit history.Bureau reports increasing bal to credit limit ratio on open trades.Payment history on your accountsI do have one Capital One card that has a high balance. Its 4,620 with a credit limit of 5,000. That is also from my wedding and my husband and I are working hard to pay it off ASAP. Then theres the Chase card that my husband has. Also has a high balance with 1,054 with a 1,200 credit limit. Im an authorized user on that card.I know that our credit card debt is not good and I cringe every time I look at it. And were taking steps to get rid of it and pay off as much as we can as soon as we can. And on our credit cards, weve never been late or missed a payment so I dont understand the whole payment history reason.And when we got the Discover card, I paid it off in full every month up until January. January is when I just started making the minimum payment because I figured the interest charge is so minimal about 6 per month that I decided to focus on the two credit cards with much higher balances first. So now that you know the backstory, can someone please explain why Discover decided to lower my credit limit? It just bugs me because my husband needs a new car and were gonna have to try to get him a car loan soon. And my credit utilization is already way too high. With Discover lowering my limit, its gonna be even worse. Is there anything I can do to get the limit back up to where it was at 700? Should I call Discover and see if I can do anything?  <response>: So now that you know the backstory, can someone please explain why Discover decided to lower my credit limit? I mean, you lay it out exactly in your post. They reevaluated your credit and determined you were an increasingly risky borrower. So they acted to reduce their exposure. Increasing use of credit and high balances are often associated with borrowers experiencing financial difficulty. Bottom line: your risk portfolio is shooting up.You can try and call them and ask, but my guess is with 90 utilization rates they wont offer you anything. 