catch 22

so, i've noticed lately that every time i pay down one of my credit cards, about two weeks later i get a letter saying the bank has decided to lower my limit by that much. the reason, the letters invariably say, is that my ratio of debt to credit is too high. which is funny, because that ratio would be less high if they didn't lower my credit every time i paid them.

i wonder if institutions are capable of perceiving irony.