I am a bit confused by the system. I borrowed my first loan a few months back, September to be precise, and in that period I have managed to maintain 100% on time repayment. In fact I cleared up the rest of my loan way ahead of schedule. But on completing my last payment a few days ago, I was surprised to find that my credit limit has gone down from ~26,000 to 0. Could someone please explain this to me, since I doubt I broke any of the rules?