Have a $300 Credit Limit on my Bloomingdales store credit card while I have a Visa card with a $11,000 limit and a Mastercard with $7300. Why did they give me such a junk limit? According to what I read on here you're supposed to never use more than 30% of your limit or it will hurt your credit score. 30% of $300 = $80. What is that going to buy me at Bloomingdales one shirt maybe.