You are spot on! I had excellent credit paid accounts on time used my credit within reason and when I started using other banks with better interest rates so used them less and less and BOOM! They dropped my available credit by about 15,000 all at once and ruined my credit. I make 130,000 a year and have a 99.9 percent payment record over 20 years . So my view is that they are crooked as *** ! OBTW as soon as I paid them off and only used other banks and cards they had the balls to send me new cards with high credit amounts! What a bunch of snakes! User's recommendation: Run like *** !