Credit card providers and lenders are reviewing the customers they value, rather than rewarding those that pay their credit card bills on time, and spend within their credit limit, they are reducing their allowance. Customers across the globe have been finding their credit allowance has been slashed, one such person is Dawn Ferrari, she didn't max out on her credit card nor did she miss a payment rather she is being penalised for being ‘too good’.

She commented about her frustrations at seeing her credit limit reduced from $5,000 to $2,000, she has “fairly good credit and” has been “responsible with making...payments” and is now being forced to realise that paying on time means her and her husband are no longer “good enough customers for” the credit card provider. The spokesman for the American Bankers Association commented that banks and lenders “will certainly take prudent steps to minimize their risk exposure and that will have different effects on different people”.