Sorry to hear about the CLD 
I'm sorry to hear about this.
@GirlMelanie89 wrote:
And typically I dont run a high util, but the holidays is when it happens, which I thought was common for many people.
I'm sure it is common for many people. However, I also suspect that it's when a lot of people get themselves into trouble by overspending a bit too much and then spiraling out of control. If so, then even if they were aware that it was from holiday spending, that might not necessarily allay their concerns. Of course that's all just speculation on my part.
As others have said, the best solution is probably to just sit tight, garden, and work on increasing your credit limits across the board to keep a similar thing from happening again. However, I'll add that it would probably also be helpful to save as much as possible for the holidays ahead of time instead of paying for them after the fact. I know this is much easier said than done, but it would save you money (the interest you paid in January and February) and allow you pay off your cards as soon as things post, maybe even paying a card multiple times a cycle to keep the utilization down if necessary.
One other thing, you mentioned you were considering buying a house soon. It's obviously none of my business and good luck with whatever you decide, but if your scores are in the low 600s I'd suggest waiting awhile longer to qualify for better rates. This can save you thousands or even tens of thousands in the long run on a mortgage. Also, it's always good to save enough to put down at least 20% to avoid PMI (private mortgage insurance), and to have a solid emergency fund saved up on top of that. But again, none of my business and good luck with whatever you decide! 
@Kevin86475391 wrote:I'm sorry to hear about this.
@GirlMelanie89 wrote:And typically I dont run a high util, but the holidays is when it happens, which I thought was common for many people.I'm sure it is common for many people. However, I also suspect that it's when a lot of people get themselves into trouble by overspending a bit too much and then spiraling out of control. If so, then even if they were aware that it was from holiday spending, that might not necessarily allay their concerns. Of course that's all just speculation on my part.
As others have said, the best solution is probably to just sit tight, garden, and work on increasing your credit limits across the board to keep a similar thing from happening again. However, I'll add that it would probably also be helpful to save as much as possible for the holidays ahead of time instead of paying for them after the fact. I know this is much easier said than done, but it would save you money (the interest you paid in January and February) and allow you pay off your cards as soon as things post, maybe even paying a card multiple times a cycle to keep the utilization down if necessary.
One other thing, you mentioned you were considering buying a house soon. It's obviously none of my business and good luck with whatever you decide, but if your scores are in the low 600s I'd suggest waiting awhile longer to qualify for better rates. This can save you thousands or even tens of thousands in the long run on a mortgage. Also, it's always good to save enough to put down at least 20% to avoid PMI (private mortgage insurance), and to have a solid emergency fund saved up on top of that. But again, none of my business and good luck with whatever you decide!
I def understand and I will definitely do it different next year. My logic has always been, since in January and February, I receive about an extra $20k as a bonus and tax refund, I can use my CC (accrue cash back), then pay it off once I receive my cash. Then my score rebounds after the CRA update. And I havent had any issues and I just got Discover in August and they are the first bank to do that to me. But I am def gardening. I dont even want to use any of my cards. And saving for the holidays is always easier said than done, and if I werent trying for a house, I could use soe funds from my bonus for holiday shopping. And as far as the house, Im going FHA which isnt as score sensitive as conventional. Also, once my util updates, my scores will rebound again. And saving 20% for a house as a single mother is definitely easier said than done. I dont want to be a first time homeowner when Im 50. Lol. The home Im looking at is not my forever home, but a starter townhome for my daughter and myself. Im sure a few years from now, I'll be able to do 20% and my scores will definitely be much higher, but at this moment, I have to do whats best for my situation.
@GirlMelanie89 wrote:Well this morning, I woke up to my DISCOVER It card limit being decreased to $500 from $1600.
Well DISCOVER, welcome to my sock drawer.
If I were in your shoes I would call them. Discover's regular CSR's should be able to handle this request and return your credit limit. If they can't, call the Discover EO. I'm sure this is an automated snafu that they'd be happy to correct, especially in light of your explanation.
@galahad15 wrote:Sorry to hear about the CLD
Lol. Thank you! I was upset this morning, but Im ok now. Kinda my fault anyway.