@humuhumunukunukuapua'a wrote:
Just sharing a few thoughts below
@Benzman wrote:
Had a 1k limit available on Rewards, this indicates a fairly marginal approval (1k limit)
hadn't used it for about 8 months, non-usage for extended periods may cause issues
they sent BT checks, so I figured do a small BT just to give the card some business and keep it active.
Total BT was only for $250. Even before first payment was due, they lower CL to $500, putting util over 50%.
On Ring, I had 4K limit available, put the cost of a funeral cremation that was $1.2K, again
since I hadnt used the card for 6 months non-usage for extended periods may cause issues. This happens with Synchrony and other banks, as well.
to keep it active.
If you BT'd two things on Barclay's at the same time, with other possible changes in your profile, it could have created a utilization spike or a sudden increase in debt
I am sorry it happened to you. A few questions if you would be kind enough to share with us : What was your overall utilization at the time, and total debt? What were the specific reasons they gave for slicing the limits?
Also, what other things may have changed in your profile (new card applications, increase in total debt). Increase in total debt is a big one because it scares lenders.
I notice a lot of cards in your signature (about 31 cards) and it may also have had to do with adding a lot of new accounts quickly with a fairly young AAoA, just speculating.
I'm not saying it was ok what happened. Not at all. I am saying there are factors that concerned them.
I'm really sorry it happened in any event, benzman. I don't think you're a bad seed and I know it's upsetting when it happens.
@elim wrote:taxi turned me on to Prism long ago. I can't live without it. It has saved my butt a couple times now with the 25+ bills I pay per month when I didn't finish a payment or when my bank changed hands. Great tool.
I have all of my payment due dates set to the same date each month and I pay them all on the same day. No payment database needed and it works really well.
But everyone is different, and what works for one may not work for another. 
@Anonymous wrote:
@elim wrote:taxi turned me on to Prism long ago. I can't live without it. It has saved my butt a couple times now with the 25+ bills I pay per month when I didn't finish a payment or when my bank changed hands. Great tool.
I have all of my payment due dates set to the same date each month and I pay them all on the same day. No payment database needed and it works really well.
But everyone is different, and what works for one may not work for another.
I used to do that but myFICO app was blowing up for a week when all my statements cut, then It would be a long walk through the desert with no alerts whatsoever. It works for me this way.
@elim wrote:
@Anonymous wrote:
@elim wrote:taxi turned me on to Prism long ago. I can't live without it. It has saved my butt a couple times now with the 25+ bills I pay per month when I didn't finish a payment or when my bank changed hands. Great tool.
I have all of my payment due dates set to the same date each month and I pay them all on the same day. No payment database needed and it works really well.
But everyone is different, and what works for one may not work for another.
I used to do that but myFICO app was blowing up for a week when all my statements cut, then It would be a long walk through the desert with no alerts whatsoever. It works for me this way.
LOL@ elim regarding long walk through the desert. Totally understandable, my friend. Glad it is working out.
@Benzman wrote:
@Anonymous wrote:humuhumunukunukuapua'a wrote
I am sorry it happened to you. A few questions if you would be kind enough to share with us : What was your overall utilization at the time, and total debt? What were the specific reasons they gave for slicing the limits?
Also, what other things may have changed in your profile (new card applications, increase in total debt). Increase in total debt is a big one because it scares lenders.
I notice a lot of cards in your signature (about 31 cards) and it may also have had to do with adding a lot of new accounts quickly with a fairly young AAoA, just speculating.
3% overall UTIL, over 3/4 of all cards 0 balance. Total debt around 6K (3K of which remains on a car lease)
No big increases, not many new apps in that time frame. Their reasoning was too many new accounts and inquiries past 12 months. Seemed funny nothing happened UNTIL I did the BT.
One of my friends said I should have called and pointed out it was for a funeral. I said, do you think they really care? I didn't call, didn't email, could care less, it's done.
Thanks benzman. Unfortunately BT's do draw attention to our accounts when we do them, with pretty much any lender. Kind of puts us under the microscope. 
Maybe they would have let things slide if 2 BT's had not been involved, but it probably depends on the actual number of new accounts and inquiries. They might have let 3 slide, whereas with 6 they might not, especially if your AAoA is pretty young.