kevin johnson joining us as gerri mentioned, candidate for georgia state representative. chris markowski, financial adviser. kevin, clarify for us. you go to, what, a discount store once and the credit gets slashed by seven grand? that is the way this went down? >> correct. that is exactly what happened. i arrived home with the lingering euphoria a honeymoon can bring and shocked by the letter that informed me my credit line was reduced by 60%. >> you have been good with money, very diligent, wanted to make sure you had a good credit score. so this had to kill you, huh this. >> it did. the letter was purposely misleading because a great majority of us do not read those letters. i think they sent it to the wrong person wand my background, having grown up in a home where finances is very important, i immediately saw that something wasn't right. >> let's bring in chris. how is this okay? it sounds like we are being discriminated against because we shop. >> kevin, the sam thing happened to me last year as well with american express. i haven't carried a balance on a credit card

i'm kevin johnson. >> kevin johnson is an entrepreneur. candidate for office. and according to american express a credit risk. coming home from his honeymoon last year he was shocked to find amex had cut his credit limit from over $10,000 to just $3,800. >> i've done a very good job of being responsible and making sure i pay my bills on time. >> reporter: each more surprising one of the four reasons amex gave for the decision. other customers who have used their cards at establishments where you recently shopped have a poor remain history with american express. >> i was shocked when i read it because i didn't know that the companies could actually assess your creditworthiness based on others around you. >> credit card issuers are trying to weed out the risky ones. how? by weeding tout ones that are a risk. >> you shop from a upper store and then you purchase something at a dollar store. a down shifting. >> those flags can look at your deeper behavior. >> if you have made three or four purrs in a row at a local bar that would raise some flags that maybe there's

>> kevin johnson is an entrepreneur. candidate for office. >> running for state representative. >> and according to american express, a credit risk. coming home from his honeymoon last year, he was shocked to find amex cut his credit limit from over $10,000 to just $3800. >> i have done a very good job of being responsible and making sure that i pay my bills on time. >> more surprising, one of the four reasons amex gave for the decision. other customers that used their cards although establishments where he recently shopped have a poor repayment history with american express. >> shocked when i read it. because i didn't know. that companies could actually assess your credit worthiness based on others around you. >> with more than 10 percent of credit card customers defaulting on their debt, credit card issuers are trying to weed out the risky ones. how? by looking for changes in the way we shop. >> you are shopping from a middle or uppertary retail store and suddenly it shows a purchase at a dollar store. some form of dow