The credit card co lowered my credit limit without notification. I owe then around $3,000 and always pay more than my min pmt. I am 83 years old on social security. I don't own a home and I owe more on my car than what it is worth. I have no possessions. I'm upset about this. If I just stop paying my credit card, what can they do to me? I have no savings and my checking account is only for my social security income.