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I am wondering whether or not a lender would CLD me if I don't spend enough according to their internal standards.
For example, there is 12.9K CL on my Freedom and I only use it for my recurrent bill $18/mo strictly (in real life, I am not).
Probably not.
But credit generosity may be partly a function of the economy, and it's hard to say what would happen if times get hard.
Things like 0% BT offers and high CLs may not always be there.
As long as your other cards are kept in check with low balances as well, very doubtful. There is little risk in a charge of 18 each month opposed to the overall CL. CLD is an action related to adverse risk factors.