I had FIA/BofA accounts CLD me for 25-33% right after I payed good chunk of my balance. Not surprising as BofA is cutting down on their risk. I called them back and they mentioned some incoherent reason for CLD and stated that they would reinstate old CL if I bring down number of cards with utilization to 3 (I have 5 cards with utilization now).
I asked if I should see further CLD if I pay down the rest of the balance and the answer was "no", which doesn't mean much.
They did CLD me also right after I paid off a cash advance...called customer service and they restored the complete line of credit and recently converted my worldpoints visa to amex...I recently applied and received
several new credit cards because of this...I was completely happy with avail credit before this happened but didn't want to wait to see if it happened again and got several large lines of credit as backups...I also pay my balances in full every month which in my opinion shouldn't matter but it does...
They CLD'ed me a few weeks ago from $18.1K to $9.5K, and I called and spoke to three different people before they reinstated my original CL (one guy said he can't; one guy said to call back when I actually needed it; the third guy said ok, asked for a bunch of financial information from me, and poof, it was back), and then they reported my balance, which was $7!
Here's my rule with asking for something from any company, including credit card companies (as long as what you're asking for is reasonable): if you don't like they answer someone gives you, hang up and wait 5 minutes, then call again. Repeat as needed.
About two weeks ago, I had a payment returned for my Discover card (stupid me forgot to transfer the money into the ING account). I was assessed a $35 return payment fee. I called and asked for it to be reversed, stating that I've never been delinquent. "I can't reverse it because it looks like it was already reversed. You'll see it on your account in one to two billing cycles." B--S--, I thought, and called back. "It'll be off immediately, and post to your account at midnight." Next morning, still on there, called one more time. "I see it on here, I'll remove it for you. Thank you for being a good customer." By the next day, it was gone.