As if access to credit wasn't already tight, credit card companies are slashing consumer credit lines and closing inactive cards - a move that could harm borrowers' credit scores and restrict access to loans.

"Card issuers are playing defense, "trying to limit their risks in "the poor economic climate and against the prospect of continued consumer defaults," said Greg McBride, senior financial analyst at Bankrate.com.

But the lenders' actions could bring more worries for consumers.

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Huh? Where did all the 4 Trillion go...