I don’t disagree with what you say but after being with the bank since 1992 I have been more than profitable to them over years with loans, mortgages etc, I thought it was time to show a bit of loyalty back to me for all the years I have been with and never defaulted on any debts. I still have a substantial amount in the bank around 25 times more than I wanted my CC limit increased by. I am now in the process of keeping the minimal amount in my accounts so they can’t profit from me.