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As long as you do that, we're friends." "But if your situation changes, and you're unemployed or under a heavy debt load, it's a different relationship -- think of it as the card company's way of saying 'Darling, have you gained some weight?

" Retailers try to cope For retailers, dealing with frustrated cardholders at the cash register is the stuff of nightmares. 1 is to provide the consumer with a pleasant shopping experience.

By and large, retailers don't allow the use of two or more credit cards for a single transaction.

In some cases, authorization may be granted by management, or ...

"Get information beforehand from your card issuer right over the Web," he advises."So they are tightening credit card criteria even with people who have good credit.If you have a ,000 line of credit, and the card issuer cuts it back down to ,000, that's a problem for consumers who didn't see it coming."We notify each cardholder of his or her credit limit at the inception of the account and on each monthly statement," she adds."Capital One also provides a notice of to individual cardholders on every monthly statement that clearly states the amount of credit that remains available for use.

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