Impact of RMD on credit worthiness
I feel like this has nothing to do with income, and as such RMDs will not really help or harm you. After a person passes, credit card companies are unlikely to collect any outstanding balance.  Debts cannot be inherited, however, assets can be made to stand for debts.  Many assets pass to heirs without the probate process and in some cases all of them pass this way.  This leaves creditors with nothing and having to write off the balance. Even if assets do pass through probate heirs may dispute the creditors.  In that case credit card balances may not be high enough justify hiring a lawyer to fight for payment; or, if they do the judge may be unsympathetic and offer nothing or pennies on the dollar.    The bottom line is that they probably see you, or your demographic, as a poor credit risk and reduced their exposure by lowering your limit.  While that is not what they told you, they probably have to carefully structure what they say to avoid any discrimination claims.