According to the AP Article, Major changes coming to how your credit score is calculated, “VantageScore will now mark a borrower negatively for having excessively large credit card limits, on the theory that the person could run up a high credit card debt quickly.” This is something that seemed fairly obvious but was not taken into account in old calculations. An individual may have a credit line of 200k and may have never missed a payment. Then that person may lose his job, get into a car accident, face high medical bills, and not have that quacky insurance. What insurance is that? Desperate, the individual who had a stellar credit score of 800 may turn to credit cards for a bailout. It makes sense that a bank would want to limit this exposure.
This recalculation could hurt churners. Churners tend to have multiple cards and high credit limits. Going forward, it may make sense to lower those limits at the expense of not being able to boast about how much available credit has been extended.