Originally Posted by
nwflyboy
Here's your red flag:
You said previously you were not credit cycling, but if you routinely ran up a balance and paid it off before your statement closed, then credit cycling is exactly what you were doing. Were you doing that regularly, and on more than one card? Highly suspicious, a big red flashing "RISK" that screams "Look at me!!!" and IMHO almost certainly what brought the smackdown.
No clue where you are getting that from. How does that imply that he was cycling his CL? I do precisely the same thing. I spent the majority of my balance, and then pay off the balance before the statement closes (I may leave a few dollars at statement close so that I show some utilization). But I've never once cycled my credit.