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Yes. I recently cut a card in half and mailed it back, that had no balance and a $17000 credit limit. After the new cockamamie rules, the issuer wanted to charge an annual fee - apparently because the transactions volume wasn't high enough for their liking. The reason for that is two other cards offer me better rewards programs, while the issuer is questions has a reward program way too sales-ee specialized and restrictive.

So the net result of the vaunted consumer protections in my house is a lower total of unused credit lines. Whoopie doo.

I despise how much deadbeats whine about all this stuff, and politicians meddle, and lawyers chase ambulances and stir up fights over twinkie BS. Just get out of the frickin way, all you control freaks out there. Free men can settle their credit relations among themselves without any of the lot of you.