This is my view on it, BofA does seem to be a bit more trigger happy, but in the grand scheme of things, it's pointless to worry about it. Don't forget also that we are also measuring BofA's AA tendencies through the lens of the myFICO forum posts. For example, for the next year or so I am currently at high risk from AA from BofA, they are my highest card, I have taken the card from 1.7K to 18K in slightly less than a year, I also added 9 new accounts in my spree of last September. So if I get AA'd by BofA, it's not the end of the world, I currently have cards from five different creditors, so I will always have a functional card for car rentals, flights, etc. There are also many creditors to choose from, I can also add PenFed, NASA, heck even Capital One (Venture only) if I had to for diversity. So I view the first 18mo of my credit building as "sea trials", an opportunity to see which creditors don't cut it.
PS: If you are in a similar position as I am, recent app spree etc and you have a BofA account, there are things you can do to lessen your chance for AA:
- Don't call them for minor things that will only draw scrutiny to your account, APR reductions, product changes.
- Keep inquiries to a minimum and GARDEN, BofA seems to relax a bit after 6mo has passed from an app spree: (6mo after my Sept app spree, BofA only SP's me once a month, they were SP'ing me weekly after my spree, I also have new prequals that appeared at 6mo post spree)
- Keep utilization less than 30% on individual cards and 10% overall
Gardening until September 2025
IME, I have not personally had any issues with AA from Barclay, but the biggest AA I received was from Citi and BoA. During CARD Act, Citi attempted to RJ me on 2 cards from 5.99% F and 5.74% V to around 19% V or so on both. I declined and opted out to preserve the existing rates, and as a result, Citi closed down about $27k in total credit limits that I had with them previously, not fun 
BoA is a bit of a different story, they are actually my favorite cc lender of all, but they also did a $16k CLD to me on 2 accounts a few years ago, all simply for asking for an APR decrease. I have since been able to (albeit very slowly) start to build my total CL with them back over time, and even though they took the $16k CLD AA against me earlier, they are simply too important and valuable to my current card collection for me to want to close out any of my cards with them. I have to give them credit actually tbh, they could have potentially closed down my accounts completely, which would have been a much harsher punishment if they had, but thankfully they did not. My #1 favorite card in my present collection is my BoA Cash Rewards WMC, so it would hurt incredibly if they were to close that one down or take further AA on it, and so I have also taken recent action to reduce my risk of AA exposure with them by paying off huge amounts of my revolving balances with them, I think right now my total util with them is actually below 10%?
@baller4life wrote:
@kdm31091 wrote:
Ultimately I agree that life's too short to worry about it. At the end of the day it's just credit cards and if AA happens deal with it, and life goes on.Yep. This is the bottomline right here! I agree 100%. Life certainly goes on. No point in stressing over it.
Lol. I know all about this, but life definitely goes on!! 
@galahad15 wrote:IME, I have not personally had any issues with AA from Barclay, but the biggest AA I received was from Citi and BoA. During CARD Act, Citi attempted to RJ me on 2 cards from 5.99% F and 5.74% V to around 19% V or so on both. I declined and opted out to preserve the existing rates, and as a result, Citi closed down about $27k in total credit limits that I had with them previously, not fun
BoA is a bit of a different story, they are actually my favorite cc lender of all, but they also did a $16k CLD to me on 2 accounts a few years ago, all simply for asking for an APR decrease. I have since been able to (albeit very slowly) start to build my total CL with them back over time, and even though they took the $16k CLD AA against me earlier, they are simply too important and valuable to my current card collection for me to want to close out any of my cards with them. I have to give them credit actually tbh, they could have potentially closed down my accounts completely, which would have been a much harsher punishment if they had, but thankfully they did not. My #1 favorite card in my present collection is my BoA Cash Rewards WMC, so it would hurt incredibly if they were to close that one down or take further AA on it, and so I have also taken recent action to reduce my risk of AA exposure with them by paying off huge amounts of my revolving balances with them, I think right now my total util with them is actually below 10%?
BOA is like that stern parent that puts you in time out. You might sulk and be mad at them for a lil while for punishing you. But, you never stop loving them! 💜
@CreditGuy03 wrote:After opening up two cards in the last 2 months. Barclays this morning decided to cut my credit with them from 7k to 5k. I called and they said it was to limit their exposure.
These guys are off their rocker and are more sensitive than a baby.
So that being said what are some other creditors out there that get spooked very easy and will give you a CLD for the slightest of reasons?
First on the List
BarclayCard
OP did you call Sir Barclays' Portfolio Credit dept to try and get limit reinstated? Number is in backdoor thread. They reinstated mines and I closed it soon after. 