Amazon store cut my credit line.

[undrtkr65]

I had a amazon store card since September 2015 and they just cut my credit line down from 4K to 1.4k. I haven’t used the card in a while which could have been the reason. I tried to get it back but was no go so I just closed the account since I have my chase amazon. I just hope they don’t cut my Lowe’s card it’s at 10k and when I purchase a home I may need this. 

[Anonymous]

CC companies will cut your limits if you don't charge on the cards.  If you want to keep your Lowes card, you should charge on the card every six months to one year in order to show some usage.  It does not have to be a large purchase and get something that you will use.  Good luck!

[elim]

Bummer. Anything going on in your reports? High utilization, lots of new accounts, late payment, anything? If not, then you are probably right, they CLD'd for non-use. We love data-points when these things occur as we all wonder if we're next, lol (I have Lowes and Wally). 

[K-in-Boston]

There have been a handful of reports of CLDs for non-use in the past few days from Synchrony. Certainly use the Lowe’s card, even if just for some snacks in the checkout lane.

[undrtkr65]

I currently have a balance on my Lowe’s card but will have it paid off soon. I also have a Walmart card and sams credit card. I owe Walmart a little but don’t owe sams club. I just charge my yearly membership on the sams card and it hasn’t been decreased as of yet.

[Dalmus]

I'm beginning to wonder if some banks view paying on an existing balance as different that making new purchases.

[longtimelurker]

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@Dalmus wrote:

I'm beginning to wonder if some banks view paying on an existing balance as different that making new purchases.

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As analytics become more sophisticated, I would expect this.   In the past, the key is for the card not to be inactive, so a payment or a small purchase resets the clock.   But that doesn't make a whole lot of sense from the issuer's viewpoint:  there is a cost to giving someone an account (some portion of the CL isn't available to give to others) so they want to try to ensure that you are profitable (or at least potentially profitible).   Making a payment doesn't do a whole lot (reduces risk I guess) a small purchase is better.    But as time goes on, and I've seen this with Capital One, small purchases don't do it, they want value for the CL!