Which bank gives me $28,000 credit limit but won't let me downgrade my card?

Which bank has no idea?

Get this:

• I have a VISA card with ANZ. They happily threw an extra $1,500 credit at me bringing that limit to $5,000.
• I have a Commonwealth Bank Gold Mastercard which happily threw an extra $18,000 credit at me bringing that limit to $28,000.
• The mathematical among you will calculate that's $34,500 in combined credit limits.

Now, I don't need or want that much credit! I pay my cards off each month. I use them instead of cash or a debit card and the associated transaction charges. The point is this: the Which Bank deemed I was too bad a risk to issue me with a Woolworths Ezy MasterCard. At the time of applying, I was (and am!) meeting my commitments in full. At the time my combined credit limits on the above cards at the time of $15,000).

I rang the Which Bank and asked to convert my Gold MasterCard to an Ezy Card. "Sorry, sir, we don't do that. Apply for the Ezy Mastercard, then pay off and close your Gold MasterCard". Which I can't do because they bloody-well won't give me an Ezy MasterCard!

Instead, in a classic case of the right hand not knowing what the left hand is doing, this company that deems me to be a bad risk threw $18,000 at me in the form of an increased credit limit.

And to think that this bank makes zillions in profits to shareholders!

I've fired of a testy letter both to the Which Bank and their Joint Venture Ezy Grocer. Oh, and I've started to phase out my Gold MasterCard in favour of the Another Bank VISA which I was not hitherto using.