ugh!!! Dang it CA! Sorry about this!! Knowing you, you were on that BD# about it pronto. Hope maybe it can be reopened for you. 
@Creditaddict wrote:
The analyst that is reviewing now said that I have $15,208 on 15 accounts.
90% of it is paid in full each month... it's my monthly spend... I'm not revolving even 1%.
@humuhumunukunukuapua'a wrote:
Good to know and thanks for sharing the information that BoA considers this to be beyond their comfort level. Some would not think $15,000 is too high, especially if it is 1% utilization, but it's good to be aware of. Thank you for sharing, CA.
@Anonymous wrote:Sorry it happened, CA.
BoA can be very sensitive to having " too much available credit." I'm a current Cash rewards card customer and have had no issues with it, but their EO suggested to me to reduce overall credit before applying for their Alaska Airlines card. EO said that BoA is sensitive to having too much overall available credit.
I wouldn't do it for BoA specifically, but planning to have my overall available credit down to 170k or so by end of 2017, because that is my goal of where I'd like to be personally. Streamlining and consolidating is a good thing in any event.
I think most lenders have a certain threshold for available credit and once you pass it you become a risk. Too much available credit can definitely be a red flag, not just with BOA but in general. So it pays to be cautious choosing cards, going for CLIs, etc. Even if the EO rep hadn't told you, I think it's good practice anyway to keep things streamlined.
@kdm31091 wrote:
@Anonymous wrote:Sorry it happened, CA.
BoA can be very sensitive to having " too much available credit." I'm a current Cash rewards card customer and have had no issues with it, but their EO suggested to me to reduce overall credit before applying for their Alaska Airlines card. EO said that BoA is sensitive to having too much overall available credit.
I wouldn't do it for BoA specifically, but planning to have my overall available credit down to 170k or so by end of 2017, because that is my goal of where I'd like to be personally. Streamlining and consolidating is a good thing in any event.
I think most lenders have a certain threshold for available credit and once you pass it you become a risk. This is something most people on MF don't like to discuss, but I think it's a very real policy with most lenders. Too much available credit can definitely be a red flag. So it pays to be cautious choosing cards, going for CLIs, etc. Even if the EO rep hadn't told you, I think it's good practice anyway to keep things streamlined.
Oh for sure... but I feel most of the time banks are concerned about their internal limits with them since they are in competition to be the bank you use the most if they don't see other flags... but when you throw in the INQ's and new accounts now it becomes less about competing for the highest limit for me to use them more than chase but to closer look at things going on.
That totally sucks!!! 
Thats's so Bush League. 
@kdm31091 wrote:
I know it's not what you want to hear, but if you truly want to build long relationships with the issuers, the best thing to do is to stop applying and let things age. Use the cards you have and show that you want them.
I am!
Issuers just have to stop launching new cards I must have 
@Creditaddict wrote:
@kdm31091 wrote:
I know it's not what you want to hear, but if you truly want to build long relationships with the issuers, the best thing to do is to stop applying and let things age. Use the cards you have and show that you want them.I am!
Issuers just have to stop launching new cards I must have
i hear ya lol!