We live in stressful times.  I had a Chase card with a $33,400 CL.  I had taken out a $20,000 BT a few years ago at a very low rate and was paying it back at $500/mo.  When it was paid off in August 2009 they cut the CL to $8,300, a reduction of  75%.  Their reasoning was I didn't need that much credit.  I have plenty of other credit and I was never going to use Chase much in the future, so I wasn't going to commit hari-kari over it.  You can try to recon with them to see if they will change their minds.  Otherwise, you'll have to acquire credit elsewhere if you need it.