Originally Posted by jbcarioca

It will take a long time for them to get over it. Churning costs them lots of money. When somebody does that enough to be shut down one can be certain that it was major abuse. You'll need to use credit responsibly and remain stable for quite some time. They don't toss around statements and decisions like the ones you describe without serious provocation.

In the future keep in mind that a) it is hard for banks to make money on credit cards now, since the CARD act. b) Customers need to realize it is a two-way street and act responsibly towards the bank.