Guard it with your life.

I tend to parse out my spending on a couple of cards. One is used just for online purchases, and I have insisted that they leave the credit line fairly low, despite their annual offers to raise it. Another is in my wallet, and one is not being used right now because they raised the rates and changed the terms a few months back. But they sent me a letter last week, saying they noticed I wasn't using it, so maybe I'd like the interest rate lowered? They may be slow, but they do eventually catch on!

The online purchases account has been slowly moving to earlier and earlier due dates, and I noticed it was enough out of sync with my accounting software that the last two months the payments have gone in a day or two late. I called and told them I had two requirements--put the date back where it was and lower the interest (which had crept up because of the late payments, perhaps). They accommodated both requests and tolerated my suggestion that this was a sneaky way to do business. Looks like holding onto customers who pay their bills and have good credit is a desirable thing in this current atmosphere of dodgy credit practices.

SRS