Credit card users: You may get a surprise the next time you pull out the plastic to make a purchase.... ..you may get declined!
That's because credit companies are lowering your limit and not even letting you know before they do.
They're also raising interest rates for customers, whether you've paid your bill on time or not.
Some creditors say this is way to off-set record delinquencies and rising charge offs.
We talked to one woman who found at the hard way about her credit limit,when her card was denied.
"I think they should let people know, I mean, it's their credit so I guess they can do what they want to do with it, I think they should at least let people know." says Brittany Jones of Cove City.
The best advice to give you here, is read the fine print on your credit card statement.
You may get a notice in the mail about your interest rate, but not your limit.
There is an opt-out clause if you don't agree with the rate increase, but that could mean you'll have to close your account all together.
There are more tips on how to fight back for your credit on the link below. You can also get free credit counseling from a local center in your area, if you're drowning in debt.