No Decreases .. PIF on some accounts. Hate paying interest!
I do carry some 0% Promo's/Balance Transfers.
Always try to keep individual utilization below 28.9% and pay more than the minimum payment required.
Pay anywhere from 2x to 5x the minimum payment on average.
And as always, a little humor
@Anonymous wrote:Curious how different the card issuers have treated you when comparing carrying a balance and paying interest, versus paying in full each month?
Do those lower risk that pay in full get credit decreases, account closures etc similar to the higher risky revolvers? ... Everything I've seen is carrying a balance for a while and the balance chasing often begins once you start to pay it down. Curious if that pay in full most of the time and aren't charging huge amounts, are you getting credit line decreases etc?
My boss that makes way more than me charges on average 10k a month on his chase sapphire and chase seems to love him and treats him well. His swipe and % fees add up I'm sure
Welcome to My Fico Forums! 
The correct term is Revolvers and Transactors, not Deadbeats although I've heard some banks might use that term internally. Transactors pay in full monthly. Revolvers carry a balance.
Balance chasing generally occurs when someone runs up a balance on many cards (overall utilization climbs) and/or there are late payments or other derogatory information posted on someone's credit file. Banks will move to mitigate their risk. Carrying routine balances where utilization is kept moderate to low usually doesn't lead to balance chasing. It has to be getting out of control.
Credit line decreases may come about when someone's utilization climbs, derogs increase, or even when someone is not using their account. From my experience, for transactors who PIF, even if they don't run up a huge statement balance as a percentage of their credit line, lenders will not do CLD. I have high credit limits that have not been decreased even though I don't use the majority of them. On the other hand, I have been CLD'd in the past when I was carrying a lot of debt. In some cases, accounts were even closed by the lender.
So while lenders do love those revolvers who pay them interest, they do not usually penalize those transactors who do not. Transactors are important to the banks also because their more reliable credit profile entails less risk and they generate the banks a lot of swipe fees even if they aren't paying interest. Also, some banks are also making money from their credit card customers from other sources such as bank deposits and loans, so the credit card fees are only part of the picture. So your boss is a good example when it comes to banks loving transactors.
I transact on some accounts and revolve on others. My credit profile has done nothing but improve. Paying on time and responsibly managing revolving credit are the keys with credit cards. Balance chasing doesn't happen unless there are risk factors, and even then it varies by lender. I carried tens of thousands with Amex for years without any AA during or after. Others were quick to balance chase and/or rate jack during the financial crisis, but that was due to extreme overall utilization (which was caused by heavy utilization leading to one balance chase which caused another and then a big domino effect).
But in general, as long as you pay your bills and aren't maxing out your cards there is no negative consequence.
