There is an interesting fact about credit limit. If you have been paying your bills and loans consistently, don't be surprised if you failed to get a mortgage or car loan. Due to the credit limit score, you cannot get a loan. It is known as FICO that has a range of 300-850. Different lenders has different credit limit cutoff so if you are below the cutoff, say goodbye to your car or dream house. You should always make it a point that you do not go in for a loan, which is beyond your means. This will land you up in trouble.
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Have you ever heard of credit card blocking? Do you know what it is and how it might affect you? If you are not sure what blocking is, this article may be able to clear up some of the mystery.