The comment I made regarding over exposure is in regards to an individual who has 96 accounts!!! The OP in this thread is not even close to that threshold. His utilization, scores are very good. I really dont think it is fair to comprare the two individuals in question. Different circumstances result in different opinions. And after all it is only my opinion and should not be treated as fact.
Do you even use all those cards? I mean, they are way too many 
Just curious.
Also, dont take it personal and this is not intended to you at all...but it seems to me that people these days are in a race to see who can get the best cards, the most cards, the most approvals or the most CLs in their cards etc...I have just a few and i dont use them all. I only got them to repair my credit after BK in 2010 and even before then, i only had about 6 cards that i actually use.
Anyways, we all have our reasons and im sure you have yours. Did you call BOA yet? are you going to? Best of luck if you do, sincerely.
Received my letter from bank of america today. Im slowly letting it go though.
I was a little teed off so i wrote some just unhappy customer posts on twitter, facebook and consumers affairs
I do have balances on card, low utilization across the board due to high limits and what not. I mean i understand boa is mad that i have balances on cards, but im aggressively paying them off. I might email this lady back and just say I have these balances but I have a 3 month plan where I will have these cards paid off.
@ddemari wrote:Received my letter from bank of america today. Im slowly letting it go though.
I was a little teed off so i wrote some just unhappy customer posts on twitter, facebook and consumers affairs
I do have balances on card, low utilization across the board due to high limits and what not. I mean i understand boa is mad that i have balances on cards, but im aggressively paying them off. I might email this lady back and just say I have these balances but I have a 3 month plan where I will have these cards paid off.
Ok, so there are several CCs that are not in your signature from all your recent approvals. On a percentage basis (not utilization), how many CCs are actually carrying balances? So, for example, if you have 30 CCs, are you carrying balance on 15-20 of them? Also, what is the highest balance being carried and on which card and CL? It appears they have noticed a peculiar trend with increasing debt and the high number of recent accounts popping left and right on your CRs.
@ddemari wrote:You are right FinStar. I have not wanted to admit to myself that their decision is not unwarranted. I have gotten into a cycle of naivety thinking just because my credit score is good, I can open whatever cards i want and have several large balances reporting.
I did a look at my Equifax report and I have 32 TL’s.
And, I am reporting a balance on way too many cards, some higher balances than I wanted to admit. I used to be really good at paying my card off, letting the statement cut with a zero balance but then it became to much work to do that on several cards every month. So I have just been paying the balance before the bill is due in full and then will continue to use that card but times that by several cards.
I have lots of inquiries, lots of new unnecessary cards, lots. But I am not in financial problems of any kind. Other than paying off some large balance transfers with large monthly payments.
I have opened an excessive amount of cards; have added debt and boa probably was heightened to it by a balance transfer that I had never done with them before.
I can sit here and be mad at myself. I have known opening all these cards was not going to look good. But if they all shut me down, then I guess I will be back to square one and just pay my cards off. I’m never late, no lates reported and Ill continue that behavior on an arsenal of closed cards. That’s the worst that can happen I’m thinking but I know what I got to do now, I just needed to really admit it to myself. And, I have had a great relationship with boa, so this AA really has made me take the whole thing by heart and change my behavior moving forward.
Well, all is not lost ddemari. Yes, it is unfortunate that they closed the BOA card and I understand being upset about it. However, once the smoke clears the air and you get things normalized, give it some time to reconsider if you want to have another account with them. Btw, I'm not judging you in any way. I was trying to get a perspective on where things stood on your end on what prompted the closure since I was looking at it from both angles because at some point, when we trip and fall, we need to get up again. You'll get through this! 
You have an excellent collection of cards and your accomplishments in getting them is commendable - just gotta apply the brakes a bit and slow down. Once your profile is like an aircraft carrier, then you can take some hits without affecting you much, but it takes time though. I think you have a decent plan laid out and just focus on paying those balances down (primarily the BOA card) so that your FICOs can cushion some of the fall with the closure.
So, just leave the BOA situation in the rear view mirror as a lesson learned and move forward. Yet, I seriously doubt anyone else would take any AA on you though. I wish you the best in getting all this sorted out.