Household Bank Orchard Bank Make a $600 payment on a $750 credit limit and get punished by having you credit line reduced to $306 Winkfield, Windsor, Internet

   The one the OP posted about or the one you posted about?   Are you beginning to see the problem?

    It does not help the OP to offer them info about something completely unrelated to their complaint.   While I'm at it, it also doesn't help to respond to every post with the advice to complain to the FTC.   If a complaint does not involve violations of federal laws or regulations, complaining to the FTC is a waste of time (both the complainant's and the FTC's).

Said enough...

   There is no connection between the company you posted about and the OP's complaint.    A tiny bit of research before posting would be helpful to avoid confusing the issue at hand.

"Orchard Credit and Financial Solutions
The Department of Banking and the Better Business Bureau of Pittsburgh are warning consumers about Orchard Credit and Financial Solutions, a company that appears to be a front for a Canadian advance fee loan scam.

Alleged victims say they paid approximately $800 each to the company for loans they never received. The money, which they were instructed to wire to Canada, was to be refunded after several months of on-time loan payments.

Orchard Credit and Financial Solutions represents itself as a lender based in Pittsburgh. However, there is no such company located there or licensed by the Department of Banking. In addition, Orchards toll-free number has been linked to at least one other bogus loan company."

File a report at this site:

http://www.ftc.gov/reports/index.htm

I just watched a documentary where this bank's underwriter is mentioned! To understand the issue and what is being done to the American people watch: IN DEBT WE TRUST, MAXED OUT, THE CORPORATION, and SPEAKING FREELY: JOHN PERKINS. This will give you a foundation for understanding the crisis in which you now are an unwilling participant. We are in a free market economy, which means that the rights of the people have been taken away. The trap the banks set is to FORCE the American people to dependence. Statistics (as supplied by banks) prove that with poor folk there is almost 100% chance that they will try to pay the loans, so guess who is the target of predatory practices?

FYI, Household Bank Credit Card and Orchard cards are issued by HSBC Bank Nevada, N.A.

For your financial health it is a good thing they cut your limit and stopped you from cash withdrawing yourself to doom.