<prompt> Human: Edt: I was never canceling my credit card. Im paying the card to a zero balance and no longer using it.Long story short - got divorced in 2016, lost my job in January of 2017, went back to my former job in March and got things back on track.I took a credit card under in April due to inability to pay. Two month ago I paid the balance in full before it went to collections. I have four other collections all stemming from cable boxes I never returned in college. The remaining credit card Discover card Ive had since I was 18 years old. Ive never made a late payment on it. Ive been making 300 monthly payments on it for the last three months. I finally had the balance under 50 utilization. Yesterday I received an email from Discover. Theyve cut my credit limit to 100 over my current new balance. Called Discover this morning. Despite making an argument that Ive never made a late payment and Ive always paid above the minimum, theyre sticking with their decision to lower my limit. Ive cut the card up. Ill pay the balance this month and Ill never touch the card or any Discover product again. At this point, aside from paying off my remaining collections, how should I work on improving my credit? I also have two store cards with 0 balances and a good history of car payments.  <response>: Companies you have current revolving credit through will periodically look at your credit report a soft pull to determine if anything has changed in your credit profile compared to when you were initially given that credit. With quite a few late payments and some collection accounts, they would have seen plenty to worry them.You dont have to use the Discover card again, but dont close it. That would be cutting off your nose to spite your face. All credit card companies will operate like this. 