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It's nice you can do that. It's also nice that I can do the same . I just looked at my account summaries, and my total outstanding balances sum up to $26 or somesuch. It feels good. At the moment, I'm not overly worried about any adverse action. If some ccc wants to play stupid games, it can go ahead.
I just think of those people who got into dire straits. If you lose your job or run up huge medical bills, I can understand when your credit tanks. This can happen to nearly everyone. I personally just try to avoid the really stupid mistakes in future . That's the least I can do .