People paying down debt while the Government increases debt.

Banks are forcing people to do so by lowering credit lines.

4 of mine have been lowered for no reason other than i use them for work expenses.

Example. If I have a 25,000 credit line with a topical 5,000 revolving balance from travel expenses i have a 20% usage. Not going to really affect my credit.

Bank lowers credit limit to 7500... now im using 67% and my credit rating dumps.