I have several credit lines and have never missed a payment in over 5 years with these various accounts. I usually clear my balances at the end of each year. The only change in my situation is that I've recently become a homeowner. All my bills are paid on time, and my overall usage is less than half. Despite having no late payments in over 15 years, my credit limits were reduced, pushing me to 95-97% of my credit usage, which caused my score to drop by 23 points. I plan to sell my home in the next couple of years and will be canceling these unreliable cards from this untrustworthy service.
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