The Consumerist wants your questions about credit for a conversation with Austan Goolsbee.

My main question is why credit card companies can arbitrarily decide based on a secret review of a largely secret credit score to lower your limit or raise your interest rate on prior purchases, and can do so in a way that negatively impacts said credit score...thereby making it more likely that future action is taken to lower your limits or raise your interest rates by other creditors.