If you don't pay late, you don't carry balances and you never go over limit (assuming you don't have a "no max spending limit" card), why would any of this bother you?
It's all a non-issue to me. The only annoyance for churners and "stoozers", besides the lousy rates on savings and CD's today, is that balance transfer fees are constantly increasing with no limits, or if a limit exists it's more than I can recover in savings interest in a promo period.
Boo.