In reading on different boards and the strange happenings that seem to be taking place with card vendors along with the disappearance of some credit cards begs the question ... is the financial market saturated and the suppliers are getting scared and starting to pull back? Barclays reduced my Ring 8.75% Apr account by $5,000 over night and then restored it today, I said nothing but the account has been opened for ten months and I paid off all my card debt (took four years) so the Ring sees a monthly charge of $5 to $20 ... just wondering? 