Because I had not used a credit card for a few years the bank lowered my credit limit from $20K to $5K. My FICO score took a small hit, going from 830 to 825 so I didn't think much of it. Then I got a letter from the bank telling me I could request an increase in my credit limit online if I wanted to go back to the original limit. I went online and within 5 seconds they restored the original limit. I guess they just wanted to find out if I'm still alive!