I have two credit cards.
I have no problem with the two companies at all.
They have treated me very well for years.
Am I an exception?
You probably are. I’ve had several accounts over the years. Discover is the best. BoA and MBNA were the worst.
Paying bills on time is a big part of good relations with a credit card company....AND YOUR CREDIT RECORD. I have no problems with my two either.
You might be someone they haven't gotten around to yet. I'm in the same situation, I have had good relations with my credit card companies, except for one situation that was my fault. I missed a payment deadline with Amex, and they jacked the interest rate to over 20%, but since I now pay them off in full every month (I just run some expenses with them to get Hilton HHonors points), it really doesn't affect me.
However, if they start charging an annual fee for that card, or dumping the points, I'm outta there. I'll keep the card if there is no annual fee, but I'll be darned if I'm going to use it for nothing, and let them collect fees from merchants without giving me a bit of something for it.