So I had an original credit line of $1100. Always paid on time and double my minimum payment. Venus decided to decrease my credit limit because of " credit bureau" reporting? Did it twice. So I only had balance of $450 out of $1100 and it was reported to bureaus that my new limit was $650 the first time and $450 the second time making it appear that I pretty much was at my limits! Crooked! And I had to call about it to be told it is credit bureau fault but we will do you a Favor and increase limit back up to $650. Gee thanks! It should be $1100 what the original limit was! Is that NOT affecting my score? Oh I think it is! Don't so business with venus!