Q. Now that I am retired (six years, this year), how do I maintain my credit rating and the credit cards/spending limits that I have now? A couple of the cards have recently asked for “income re-verification” but have not demanded it, so I have not responded. I am afraid that if I report my reduced personal income, they will take away the cards or substantially reduce the card spending limits. I have no late payments and I pay in full every month.