Okay, I tried this as well. I found myself in a foreign call center with a rep who neither spoke (nor understood) very much English.
I tried to ask her why I was denied a CLI (current is $500.00) and she told me "account utilization" and I asked her if that meant that I had too high of a balance and she told me yes.
I then told her, my account balance is NEGATIVE $66.00 so how can I be over utilizing credit when they owe me money?
So she told me, "don't worry, the $66.00 is your money and we know this, we will not take your money".
I told her that I know that it is my money, but I am not calling about that... I was calling to see how I could have possibly over-utilized my credit if I have a $66.00 credit balance... and she told me, "we know it's your money sir, we are not claiming that you owe us a balance".
Obviously she was not getting anything I was saying, and I told her I just wanted to cancel (and then she offered me 2% cash back, and reassured me that the $66.00 was mine and that they knew it.)
Anyway, I was then transferred to a rep who appeared to speak English as their native language, and was informed that I was denied a CLI because of UNDER utilization, and that I had only spent $1000.00 on the card since inception (about 6 months).
I then told this rep that I don't use the card because I can hardly get a tank of gas on it without going over the 20-30% utilization ratio which is not good for my credit, and that if they would give me an increase then I would use it so they could make some money off of me. And she told me that unless I agree to a hard pull that they wouldn't even consider a $100.00 raise.
My last plan was the cancellation threat (but very politely of course) and she said, "if that's what you want". And then the call ended like that... they are sending me a check for the credit balance and they are cancelling the card.
So... long story short, it didn't got quite as well as I planned, and I have 2 much larger cards that are actually usable for buying more than a 12-pack of Dr. Peppers.
Right choice or wrong choice? I guess I'll find out when my CR are re-scored by FICO next month.