How to Blow Your Credit Limit -- Without Spending

[miz_wright]

Originally Posted by Hell Puppy

I still have enormous lines of credit and available credit on my cards. But then I have 20 years of solid credit history, a house that's nearly paid for, strong credit rating, and I pay my bills and generally use credit correctly.
.

I've always had an excellent credit rating, kept my revolving credit in line with my income, and also own a house. That hasn't stopped my rates and limits from being massively affected by this, to the point where I am almost unable to pay the few cards I still have balances on because my rates have gone up so drastically (in some cases 20+ percentage points) and the limits slashed below the balances I haven't added to in a year.