credit limit reduced without warning

So disappointed with fnb, im a loyal customer and does not want to change banks. So i wanted to use my credit card only to find out that my limit has been decreased. Went to a branch and was put through to a call centre where i was told that they are within their rights to do so without notice! Just think its messed up, its 2015 already surely you can inform your customers when doing so but when it comes to burdening us with products you have no difficulty in calling us. Also, surely you can see when a customer is in a bit of a tight spot, taking away their credit only put them more into debt!