I have a very long credit history and have never had a late payment on ANY account. Most of my accounts are allat least 4-7 years old. My chase card was opened in 2010 and I had never been late, over the limit, or any issues. I have years ago had a balance that was paid over a 2-3 month period, but in the last 2+ years I have always paid in full. My credit scores and utlization have not had any significant change. Most of my limits on cards are $20-50,000. I pay all of those in full each month and run as much as $30-40,000 on my primary card, which is not the Chase card, each month. My total avaialable credit lines are over $300,000, but never have any balances reporting as I pay them in full before they bill each month so that my statement balances are at 0. I havent had any questionable charges, no seeking bonuses or anyting unusual.
When I called the customer service all they would say is that the bank had decided to terminate the relationship. I then called credit recon department and they only would repeat the same. No one could or would provide me with any firm information. So, that is all I can tell you about their decision.
I have two cards with BofA with total limits of over $100,000. I have three citibank cards including the AA and AA Executive with total lines of $125,000. My others are Elan $25,000, PenFed 40,000, NFCU $40,000, and several others. My Chase was one of my lowest with $15,000 so it wasnt my choice of cards.
