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Has anyone ever had a CL decrease?

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There are lots of threads and complaints about this. Usually its either an account review where they look at your reports again, or you kept your balance near the limit for a long time then paid some down, they don't want it going back higher.

And one last thought I had that I don't think has been mentioned, a way to correct for "app sprees". I tend to think that a bank is saying "this is what this person can handle" based on scores, not necessarily "what WE're willing to give".

later they find out you have several new accounts and your available credit is way more than they felt you could handle when they issued the card.

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