They are simply cruel & unusual. They are also disrespectful and impractical (they hurt their own business with their foolish ways). Why any company would just shut down people's credit card accounts on grounds they are overspending is silly as they are hurting their own dividends from finance charges. Obviously, if ones credit report shows 100% success with paying off loans and balances over time they should leave that customers' credit card alone! This is why their performance as a company is lackluster. If I were the CEO of this company I would really figure out which manager in that FIA card services is telling the employees' there to be some kind of "credit hero" where they close all accounts if the customers revolve debt. Um..hello? Customers' who revolve debt and successfully pay them off over time are the people who generate the banks' income FOOL! Do not do business with them if you want a reliable credit card that won't give you hassle. They are all hassle and they will also demean you as well as HURT YOUR CREDIT RATING if you try to defend yourself. FIA Card services managers are filthy, ignorant swine and should be fired for being so stupid.