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Hey WalletHubbers! Today were talking about whether your credit card limit can get reduced without notice. Unfortunately, it can. Although credit card companies are required to give you 45-days notice before making key changes to your accounts terms, that usually doesnt include credit line reductions. In other words, your bank most likely wont tell you before it lowers your spending limit. Having your credit line lowered can cause a ripple effect across your financial life, especially when its not expected. With that in mind, here are five tips for minimizing the impact of your credit card company lowering your credit limit. First, review your mail. While advance notification is not required, all credit card companies will send you a letter informing you of a limit decrease once it has been put into effect.