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Here's what happened: Before the financial crisis, Martinez was charging around $50,000 a month for goods and shipping -- $50,000 with an $83,000 credit limit.
But then Chase Bank cut her credit limit down to around $50,000, meaning Martinez was now using nearly 100 percent of her available credit -- a red flag that caused her credit score to drop from 700 to 640, which then triggered Chase to lower her credit further to $40,000.
"I'm in a spot where I don't understand why when I've managed my relationships appropriately and responsibly, all of a sudden the credit card companies are turning their back on me," Martinez said.
"I have clients who have orders in hand," said Landis, "they could hire employees back immediately, if they had the cash to bring them back."
"I don't think the credit card companies have the data or the understanding to realize how significant their credit is for job creation."
Martinez added: "I'm not spending my money buying plasma TV's and going on vacation. I'm spending my money to grow my business and create jobs."
I disagree. While banks are tightening up lines of credit now, there is NOTHING, not even in the 2000 pages of Dodd/Frank that prevents them from gambling with your mortgage, or lending well beyond the reasonably accepted leverage ratio of 10:1, or keeping with sound reserve requirements, or even lending to qualified borrowers.