Hello NicoholasRuzic,
Welcome to the community!
Sorry to hear of you might have misunderstanded the term credit. From what you note, it sounds like that amount is Credit Limit Monitoring (CLM). It isn't exactly like a credit limit on a credit card. It isn't providing you with a certain amount of credit to use. It's designed to prevent overextension on your account. That is, it's designed to prevent customers from accruing more debt than they can handle and repay. It is often applied on accounts for which customers do not have adequate credit rating information.
Since CLM is designed to prevent debt, your account may also be temporarily suspended if you fail to pay your monthly bill (see link above). If your account has been suspended due to non-payment, you will likely need to contact the credit operations team in order to remove the suspension. In addition, you should note that there will likely also be a fee to restore your account (see here).
You should note that this forum is community-driven and not intended as a venue for customer services. If you would like to discuss your situation, you would need to contact customer service. In addition, they can also be contacted via Live Chat, Facebook, or Twitter. Those methods can be accessed via the contact page posted above. However, you will likely still need to contact the credit operations team to remove the suspension.
Hope this helps 😀
Cheers
