Lol... Don't feel bad... I worry myself to death about this too... Although I keep util low and make big pmts.

However... Neiman's, after Cap One took over, cut me from $750 to $505. Very crapital one like considering that was already my lowest limit. I never missed any payments or had ANY delinquencies.. So I just closed it. I'd say if you ever do experience balance chasing ( I never have), you should just threaten to close the account in question. Sometimes you really have to put up a fight with creditors, esp if you're creditworthy!:-)