[Richard Kimball]

They've been sending me nasty letters for about six months. They sent me an offer for 1.9% on initial transfers until the balance was paid off. I moved a car loan over there, paid it off with the bank, and make slightly above the minimum every month cause you can get more interest in a savings account and the money's liquid.

Never been late, never missed a payment. They're throwing a fit, though, and each month send me a letter saying they're lowering my credit limit by the amount I paid and that the problem is... well, the problem is they expected me to load more debt on the card at a higher rate and I didn't do it.

[editor-surveyor]

"well, the problem is they expected me to load more debt on the card at a higher rate and I didn't do it"

Yep they were hoping that you were like my exwife. They don't like her anymore either.