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Well, if you've checked her credit reports to be sure nothing strange has shown up on them, then you can probably chalk it up to low usage of the credit line, which made her account costly for the lender to keep at that credit level, for the return that they were getting.

aj,

You called it correctly. We just got a letter saying they adjusted it due to usage patterns. It's close to a rewards point, so I think we'll let the cell bill hit it for a couple of months, select the cash award and then stop using it. Is it better that she cancels it or let Chase cancel it in the future since it will be languishing from non-use?
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