回复：最好是长期持有，尤其line很高的card, 并且时不时的小用一下。

I used to have a $50K limit MasterCard from MBNA and $50K limit MasterCrad from BOA, and then late on, BOA bought MBNA. Two cards combined together as $100k limit. That's great. Then in the early this year BOA sent me a letter to say they cut my limit into about $390K. I argued them many time over the phone. No use. They said is due to current (at that time) credit card crisis. They said if I insist, I can file a law sue. But I think there is no need for that.

Only don't know how that will affect me anything. Just feel my a few years effort is gone.