At Capital One's
At First PREMIER Bank's
It means that you don't have much margin for error when it comes to credit. You've struggled to pay bills on time, or you're in danger of maxing out your credit cards. In short, you're one misstep away from the dreaded "bad credit" label.
So what should you do next? Issuers are always looking for reasons to crack down on consumers, so it's your job not to give them any more than you already have. Avoid any other missteps for as long as you can. Pay that credit card bill the day it comes in, and pay more than the minimum payment when you do. Carefully consider whether or not to apply for a new credit card. And be sure not to accrue any new debt as you pay down your current ones.