Financial crisis?

We hear so much on the news about the current "economic crisis" but I wonder how much it's actually affecting our day to day lives. I hear reports of people having their credit limits reduced and suddenly finding themselves over the limit on their credit cards and paying fees for that. I don't actually use credit cards except for gasoline and utilities (for the convenience factor) and I'm very careful about paying it off in full each month. But I do check online regularly to see if my limit has been changed at all. So far it hasn't. I have more credit available to me than I know what to do with. And since I never carry a balance I'm not really a money-maker for the bank that issues my credit card. So I wouldn't be surprised to see my limit lowered. But I'm wondering if this is actually happening to people or if it's just news reports blown out of proportion. What are you seeing in your life? Are you being hurt by the current economic conditions?