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How

about when the banks artificially cause your score to decrease? I have absolutely PERFECT credit..NEVER late on a payment and pay OVER the amount due...BOA comes along and cuts my limit in HALF...which makes it LOOK like I have come close to maxing out on my CC...luckily my score is good enough it didn't ding it TOO bad...but this type of thing is really aggravating! If it HAD lowered my score dramatically...the next month they would have increased my APR based on my score...THAT THEY ARTIFICIALLY CAUSED to go down...

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