I'm so sorry to see that happen, hauling!
I just received a letter yesterday regarding my CLD:
I was "adjusted" today as well. My $12k cut to $6k. Never late. Have occassionally carried balances, but was sitting at 0 for the last couple months. I have exercised it routinely, have had it to 80-90% in past, but paid off or down within 2-4 months, then mostly PIF.
Here's an article that reports on the CLD trend across the board:
So far BoA hasn't CLD me yet....but this was a major reason I recently diversified to several CU's rather than relying on maintaining current CL's or getting CLI's from the bigs.