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Credit card company won't increase or decrease your credit limit. A month after covids happens, Citi decided to lower my credit limit to the current balance amount. The problem that happened with that is that it made it show as 100 % utilization which affected my entire credit score to lower it by a whopping 70 points. Nothing else changed and in fact I just payed off XXXX in revolving debt just the month prior. So the fact that they cut that limit was the only contributing factor to the credit drop as nothing else changed. It's my highest use card now. I payed off the entire XXXX now and even a month later it still showing up on XXXX ( see one of the pictures attached ), but that lower limit hit almost the next day on credit reports. I attached my credit unions score which is higher th