Reader Mail: My Credit Card Company Reduced My Credit Limit

I just noticed that the credit available on my three credit cards has been drastically reduced. For example, I used to have a $5,000 limit on one, and now it's down to $1,800. It's not a problem, since I am determined not to use these cards Ever Again, but it seems counterintuitive.

Reader Mail: Getting a Credit Card When You Have No Credit

Please help me be a responsible adult—namely, how do I get a goddamn credit card without any credit?

Know Your Credit Score? (Mine Is Eh)

"Hey, baby, what's your credit score?" said nobody, anywhere, ever. But it's still good to know what yours is, because it gives you an idea of where you stand in the eyes of banks and money lenders and landlords.