I just had my credit limit cut almost in half for absolutely no reason. Why did my credit limit go down? I have used the card occasionally but never more than 25% of my limit. When I called customer service at Bank of America they said the reason for the cut was because I didn't need the credit. I feel like it is a no win situation If I use too much of the credit limit they will cut it for being a higher risk. If I use too little they will cut it for not using it. I use the ideal amount and they STILL cut it! Is it possible for me to win?