As someone who experienced balance chasing by numerous lenders (although not American Express or Bank of America) during the financial crisis due to high utilization while also having flawless payment history (as I still do), I understand that it can be quite upsetting when it happens to you. If your payment history is flawless, score penalties that large do NOT happen because of a few Amex cards being balance chased. You have been identified as a very high risk lendee due to your credit scores, this is not something that Amex has done as a personal vendetta against you. As stated before, Amex may just be the first lender to do so but it would not be unexpected to see a domino effect.
Once your scores improve, the risk is lowered and credit lines can and do return. Unless there are other factors that we have not been made aware of, this is a scoring issue (assumed due to utilization) pure and simple.
OP, no one here is against you, and some of the things you have posted are rather brash and quite honestly offensive. The mods are simply making sure the rules are being enforced. They're not trying to censor you. We gain nothing by "censoring" you; we're not getting paid to be here. No one is. We're all simply trying to get details from you, but the only detail we keep getting is that you've never missed payment. That's great and all, but that's not the only thing that matters. Don't get me wrong, payments are the biggest component of FICO scoring, but they're not everything. We're trying to get more details out of you to try to help you. Things like this don't just happen at random. There's always a reason.
