I got burned by Chase back in 2009 when I started shopping around for a mortgage.  When the INQs hit they closed a $0 balance card that I rarely used.  Citi burned me in 2010 when I made min payments for a few months in a row.   At the time there was a lot of  talk about the "sky falling" and everyone was saying to stockpile cash, so that's what I did.  I cut back on payments and padded cash savings instead.  Citi closed my account at about 40% UTL with no warning.  I was never late on payments.

This might just have been the banks tightening their belts, but I took it personal.  I won't do business with either bank again.  Seems like a poor way to treat otherwise good customers.