Are credit card companies still lowering your credit limit if you pay your balance off in full?

I remember this was happening quite frequently 1-2 years ago but I was not personally affected. But is it still happening now? For example if I have a $3000 Capital One Credit Card that is almost at the limit and pay off the entire balance in one payment, do you think they will lower the limit to $2000 or even $1000? I would appreciate any advice and also hearing from anyone with a similar recent Capital One credit card experience.|||They were usually only doing that when the customer had several credit cards and was carrying a high debt load. I suspect they are still doing that if they see that the customer has a $50K salary and has $75K worth of total credit card debt.





I suspect that the credit card companies learned a lesson.|||By now they are done weeding out the high balance account holders and simply won't go overboard and give high credit limits to everybody anymore.





You need to be careful with maxing out the card. Even if you pay it off in full every month - maxing it out in a billing cycle could trigger their alarm system and is not going to be beneficial for your credit score.





Maximum of 30% use of the credit limit. Get another card if you need to spread out your charges but quit maxing out the card.