SIGH...
Dear Mlle PB,
Because you do not borrow enough on your Cooperative credit card we are reducing your credit limit. Not borrowing enough can have an adverse affect on your credit score.
Have a shite day.
Your uncaring, unsharing Coop.
I know, I know - it's been like this for ages but it just grates that being creditworthy is measured by how much you frivolously borrow and not by how much you have, or by how frugal you might be. I thought that the wanking sector might have learned something from the prodigious world economic cockup that their policies of borrow and spend had caused. But no...
Slap the bishop mateys - or at least the methodist minister...