I think it shouldn't be considered stepping out since you aren't gettting an aditional credit, and is seen favorable by the creditor and it wasn't initiated by you. Its essentially the same as loosing your GE backed card, they close out the old line and create a new TL. Is that worthy of lossing your gardening status?
New TL and you will be in trouble
Time keeper can we reset the clock to seedling Lol