Well since it seems you were more than 30 days late (or was it 60 days?) you'll also have a late payment hit on your reports to deal with - and it will take approx 2 years for your scores to recover from that alone.
Unfortunately there's not much you can do at this point... As you pay the balances down, BOA is likely going to balance chase you, lowering your limits after each payment to prevent you from making more purchases. And once the balances are paid, it's quite possible they'll close both accounts.
If you have the funds to pay both balances in full now, you can do that then immediately contact them to try to save the accounts from closure - tho I don't know how successful that attempt will be.
To avoid this from happening in the future, you should set all of your accounts to autopay at least the minimum due each month so even if you forget to manually make a payment, the autopay will kick in so the required minimum is paid to keep you current.
Perhaps someone that's had a similar experience with BOA will chime in with additional advice or a more concrete idea of what to expect.
Unfortunately there's not much you can do at this point... As you pay the balances down, BOA is likely going to balance chase you, lowering your limits after each payment to prevent you from making more purchases. And once the balances are paid, it's quite possible they'll close both accounts.
If you have the funds to pay both balances in full now, you can do that then immediately contact them to try to save the accounts from closure - tho I don't know how successful that attempt will be.
To avoid this from happening in the future, you should set all of your accounts to autopay at least the minimum due each month so even if you forget to manually make a payment, the autopay will kick in so the required minimum is paid to keep you current.
Perhaps someone that's had a similar experience with BOA will chime in with additional advice or a more concrete idea of what to expect.
I'm sorry to hear of your troubles and agree with thornback , you may have a chance if you are able to pay off the balances and contact someone... good luck!
“Most people work just hard enough not to get fired and get paid just enough not to quit.”
I actually don’t know if it was even 30 days. My Credit Karma account shows Bank of America reporting all payments were made on time, so I think it may have been <30 days late when I paid. So basically there’s is no way to get them to re-increase my limit? I basically paid the lower one down with about $100 balance remaining. Tried to increase credit limit on website and they are sending mail which means it was denied 
Well if you weren't actually 30 days late yet then that's good news... saves you from negative credit reporting which is much more difficult to overcome. However, internally with BOA, you were late.
I would probably call BOA since one account has just been down... your length of history with them is decent, so you never know, they may be will to work with you & keep your accounts open at the reduced limit - but i wouldn't expect a CLI anytime soon - you'll be on probation for a while.
@Anonymous wrote:
I actually don’t know if it was even 30 days. My Credit Karma account shows Bank of America reporting all payments were made on time, so I think it may have been <30 days late when I paid. So basically there’s is no way to get them to re-increase my limit? I basically paid the lower one down with about $100 balance remaining. Tried to increase credit limit on website and they are sending mail which means it was denied
