> For two years, they used the card routinely, paid if off religiously...sometimes having a monthly spend three times the limit. While I don't know exactly wha

> For two years, they used the card routinely, paid if off religiously...sometimes having a monthly spend three times the limit. While I don't know exactly what's going on in your friend's case, this makes for an unprofitable customer from the credit card company's point of view. Now, obviously they want to get paid, but for them the ideal customer is one who maxes out the card and then makes the minimum payment every month, thus incurring an interest charge, or better still, makes the minimum payment, but late, thus incurring a late fee on top of the interest. Customers who pay off the card every month don't provide any interest to the credit card company.