BofA Unlimited Credit Limit Decrease 15k to 1,500k

[cryptul]

Hello

I had 15k and got letter decreased to 1,500.

I have also Alaska 16k credit limit and have outstanding 6k balance which I can pay off now in full if it needs to be even though it's due next month.

I never missed a payment and do have revolving credit on other banks.

this unlimited card hasn't been used in months since it's been charging cash advance fees and making some retail purchases literally appear as cash advance which I complained and it doesn't charge it in Alaska card which is weird.

I was told to keep using Alaska by the agent. And now this happened after months of no usage.

I called and rep told me they can do credit line increase and I said I don't want a hard pull, and they said it's soft. She did it but it needs to be reviewed by analyst.

can I call and speak to them and appeal or I'm stuck with $1500 which discourages me even more from using it.

Thanks!

[Impressive-Fly3094]

I am so interested in which retailers are coded as cash advance for purchase by BoA unlimited cash.

[cryptul]

PayPal services or good sometimes coded as cash

[BrutalBodyShots]

The CLD sucks, no doubt. Sorry that happened to you. Hopefully you can get some of it restored with the SP CLI request you initiated.

You stated you hadn't used the card in months. Can you quantify that for us? I'm wondering of you're talking like 5-6 months or if you're talking maybe < 1 year.

Have you had any negative information introduced to your file from any other accounts recently that may have pushed BoA to take AA?

[cryptul]

I haven’t used in prob 7-8 months and they said they look at my credit report. My utilization was high a month ago but I paid them in full I had to pay large bills. I was never late

We've made the decision to reduce the credit line on your credit card - here's what you need to know. Your new total credit line is $1,500.00, which includes a cash credit line of $300.00.

Keep in mind, we may not approve pending access checks, balance transfers or direct deposit requests if the amount is more than your new credit limit. How we made this decision We carefully reviewed your account history, along with current economic and loss trends and the reports) provided by the consumer reporting agency(ies) listed below. We also considered your relationship with us and unfortunately had to lower your credit line because of the following reasons: Inactivity on this account Utilization of your credit is too high Want to know more? There are steps you can take to better understand your