Robert, I sort of feel that what you posted above regarding balance chasing is somewhat of an urban legend. It can happen, but rarely happens because of utilization in and of itself. 9 times out of 10 the catalyst is going to be the introduction of a negative piece of information, such as a single late payment. Once the late payment reports, all creditors can see it and then it's "game on" as far as CLDs go.
As long as you are making on-time payments, creditors really have no reason to initiate a CLD, as you're making them a ton of money off of interest based on your high balance. Until you give them a reason to believe you won't continue making those monthly payments as agreed (by being late, for example) it's rare that they take AA. They give you a credit limit for a reason and you are fully allowed to use it. I know someone that's been maxed out on 8 out of 9 of their cards for over 6 months and not one of the creditors has taken AA by initiating a single CLD, because they have been making on-time payments on all of the accounts.
