An influx of cash, it seems, can really freeze your credit. My debit card was also frozen, because I used it to pay a bunch of bills, and that looked like "unusual activity" to the bank. The fraud department was automatically notified. In regards to the reduced credit limit, the reviewer insisted no review had been made of my account in all the years the card was maxed, and the review that happened right after I paid it off was "random." So when they found my FICO score to be under 600, they couldn't see that I'd raised it 80 points recently. They say this is the first they'd noticed I was in trouble. So how much of that explanation is bull? Couldn't they tell I was having trouble paying my bills the last three years by the fact that a) the card was maxed the whole time, and b) my payments were late half the time? Was the review really random, or was it triggered by my payoff? And most importantly, should I not have paid off the balance when I had an infusion of cash?