Regarding the utilization%: How do you deal with a CC company that every time you open up x-amount of space on a card, they compress the card limit. We owed $8k on a card with a $12k limit. We paid it down to $7k in January, and they lowered our limit to $7.5k. In March we paid it down to $4,800, and they lowered it again to $5k. This has also happened with another CC. How should we deal with this? Our utilization% looks worse and worse because they keep compressing the limits.