Citibank Credit Card Complaint

Citibank Credit card department,

Credit line increase/decrease Missouri

We are very careful with any charges on credit cards or obtaining financing. We received a threatening " Account Notice '' from Sears stating that we must make a purchase or other transaction by - -, 2016 or have our credit limit lowered and to " hurry '' in doing so. We feel this is pressure to use our card, and we feel since we voluntarily applied for the account and paid as agreed ( actually early ) we should have the account available at our discretion. We know that credit bureaus receive information about account limits and closings, and these reports affect credit scores. We feel this is a predatory lending process on the part of Sears and should not be allowed to continue. After calling the account inquiries number to check on why we would receive such a notice, I closed the account by phone on -/-/2016, because I do not appreciate being threatened. We do not need Sears and - ; they need us.