I'm pretty sure Target was Balance chasing me when they lowered my cl from 3500 to 900 so I closed the card myself. It ticked me off b/c as I said I'd run a bunch of money including paying it off through the card in the previous two months.
I did take a cash advance on it last month and now I wonder if that did it b/c they took my cash advance limit away completely when they lowered my credit line.
RBS, or Royal Bank Of Scotland. I have NEVER been late with a payment in my life, but one month, back in 2001, it somehow got lost in the mail. They called me, and we rectified the problem, and I paid via phone. The payment was NEVER reported as late, as they contacted me 2 or 3 days after the due date. They then shrunk my 5500 credit line down to 500!!! I didin't even have a balance on the card at the time, just a 25 or 30$ purchase that I PIF. I was not late with ANY other payments, but utilization was high on one particular credit card that I was paying off.
I cancelled it, and since then, have gotten several "we want you back" offers. They can keep em for all I care.