My problem with GEMB Old Navy is this: I had a CL of $520. I had $255.14 charged on it. At one time I had a CL of 1800, but I called and lowered it to $500 and they upped it to $520. Well on their last "review" of my account they decided to LOWER MY CL TO $260!!! SO now my account shows like this: balance: $255.14 Credit Limit: $260.00 Avail. $ 4.86 This makes it look like I've maxed my card out!! I did no such thing!! How can they lower my CL to UNDER FIVE DOLLARS to the balance owed?! All they're trying to do is hope I forget to pay and then they'll get me on a late fee, over limit fee... OMG how can they get away with this?! I've turned them into the BBB but haven't heard anything. I called them and told them if they didn't put my CL back up by at least $150 I was closing the account and the foreign CSR, that I could barely understand, kept begging me to reconsider. They didn't up my limit so I closed it. I rather it show up closed than MAXED. I'm paying it off w/my next 2 payments... I'm so fired up about this! Please tell me if there's anything I can do!