They were deals that were made back in the WAP days where spending $1 a few times a day to check your business email made some semblance of sense, that then got neglected.

Companies should be required by law to nominate an explicit "credit limit" for every account, and customers should be allowed to reduce it to whatever they want. Morally there's no difference between a credit card with a $5,000 credit limit, and a cell phone plan where you can rack up $5,000 in charges if you do the wrong thing.