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Consumer credit cards and credit lines can be a tricky thing. Its possible for your creditor to reduce your credit line or deny purchases and transactions as they choose. Of course credit card companies want you to spend but not at the expense of what they determine as to high a credit risk. Your credit quality is regularly monitored (far more than once a year) and if your buying powering is lowered after more loan activity, credit activity, reduced credit score, credit history issues, etc. your credit available may not be so available.

Its equally possible for credit card companies to change there requirments for credit card issues and that can include current credit card holders. If default rates increase, rates increase dramatically, economic issues, business issues change then credit card companies may up the requirements to hold that credit card that is in your wallet.