<prompt> Human: Ive opened up accounts with some banks that have sent me offers through mail talking about 0 APR balance transfers for 12 months. I did the balance transfers on the new accounts and also some on the current accounts I have to make a large purchase. I have had really good credit scorealmost near perfect for the longest time and have been making payments on time. I have done multiple balance transfers in the past and paid them off with no problem, but this time its different. I received 2 letters from chase saying they closed 2 of my accounts for the following reasons:- Sufficient balances on your revolving credit lines- too many credit cards with balances or the revolving balances are too highThe next day I received 3 letters from Bank of America saying they closed 3 of my accounts with the EXACT reasons. Ive been a customer with both chase and Bank of America for nearly 10 years too with no bad history with them.Like I said before Ive had a very good history in payments and Im confused as to why this happened now and not in the past. I know opening accounts may affect credit score, but I dont know if thats the reason. Also when the banks close my accounts does that lower my credit score too? And is this system automated from the banks side or is there a real person who reviews my history and has a good reason to close my accounts?Its a hassle now too because I cant make online payments no more and have to mail out checks. I need advice on how to approach this and need to know where to start from.Thank you!Assistant: Like I said before Ive had a very good history in payments and Im confused as to why this happened now and not in the past. I know opening accounts may affect credit score, but I dont know if thats the reason.Basically if what Im reading here is correct, what you did here was open up a number of new accounts and then you maxed out your credit lines with a huge purchase.This would substantially impact your credit worthiness by first having a bunch of hard queries on your reports, by increasing your utilization, and by lowering the average age of your accounts. Also when the banks close my accounts does that lower my credit score too?It does in that is lowers your available credit and thus increases your utilization percentage. And is this system automated from the banks side or is there a real person who reviews my history and has a good reason to close my accounts?I imagine its automated or at least flagged via an automated system and then reviewed by a person. They have millions of customers, I dont see them manually monitoring all this. Its a hassle now too because I cant make online payments no more and have to mail out checks. Im surprised you cant still make online payments. I need advice on how to approach this and need to know where to start from.You can try contacting them, but I wouldnt be super optimistic here. Generally speaking, they want customers so they arent typically incentivized to close accounts. Meaning if they closed your accounts, they probably want them closed.Human: Yes, I did max the credit line balance transfers. Lets say I had a credit line of 10,000 I transferred all 10,000 to my personal checking. I did the maximum amount to all accounts. I appreciate your reply too, but Im wondering now is what can I do in the future to avoid this? What rules should I follow when doing balance transfers? What percentage should be reasonable to transfer? Thanks!  <response>: Yes, I did max the credit line balance transfers. Lets say I had a credit line of 10,000 I transferred all 10,000 to my personal checking.Why? 