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You know, I don't so much mind them increasing your rate if you're late with them...you've technically broken your commitment to them. However, rate-jacking someone just because they have a high utilization is @sinine. It does nothing but cause people to completely default (or take their business elsewhere if they're lucky enough to have the opportunity).
I know, people shouldn't heavily utilize their available credit, but if a person can manage the timely payments as contracted, they shouldn't be penalized for using it.
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Quoted from roybean at IC, "you don't need case law...it is written, so let it be done."
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