@longtimelurker wrote:
@adelphi_sky wrote:Increased utilization and number of revolving credit accounts. My utilization goes up before bonus time and other income sources. Then goes down to zero. Goes up and down. NO late payments on my credit. Imagine that. But here we are.
As with most issuers, you don't get credit for no late payments, that is the standard expectation. (And should you deviate, then of course they may punish you to varying extents). They are instead focusing on other aspects of your credit report (and whatever else they have access to) and determine that there is an increased risk. That doesn't mean that you are certain or even slightly likely to default in some way, they just want to reduce their perceived risk. And yes, I understand that even though "it's just business" doesn't do anything to reduce your irritation/anger/murderous rage (delete those that do not apply!) it does mean you can focus on applicable responses, which are mainly to continue to do business, reduce your level of spend with them, or cut them off completely, understanding that unless you are a really significant customer, your response matters only to you and not to them.
BUt...but they made me feel so special with all their sweet talk! 
lol. I understand that as well. But, at the end of the day, I know the average credit card user tries to play the game, works hard to keep a clean credit history, and can still get the cold shoulder. It is a cruel world. But, I want people to know that we have power too. We can walk with our feet. There are tons of options out there. If you feel better by ditching your abusive partner, then do so! 
But seriously, it is what it is.