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Hi I had a £400 credit limit which I was happy with. My balance is currently £196. I was trying to keep it down incase I needed something in an emergency. I pay more than my minimum payment and I don’t incur interest. Today I received an email saying my limit was being lowered to £200. I called to ask why and was told because I wasn’t utilising my credit. So basically because they’re saying because my balance isn’t consistently at around £400, that’s why it was lowered and if I don’t keep it around £200, I will lose that as well. So if I want to keep PayPal Credit, I need to always have a balance. How is that responsible lending. Is this correct, I’ve never heard of anything like this before.