Working at Capital One (IT department) for a few years taught me a bit about stuff like that. They have a constant battle going on to find ways to squeeze more money out of "good" customers that don't use their cards, or pay them off every month. They mooted, at one point, charging an annual fee to any customer that had a card and didn't use it at all for a one-year period, even "no annual fee" cards. If you used the card once and paid it off, you were golden, but if it sat idle for a year, they'd nail you for a fee. I never knew whether they actually did it or not.
And yes, they generally dislike people that keep their cards paid off. Ones like me--the customers that ran them up to the limit and then got behind on their payments, but not far enough behind to default or go bankrupt--they love.
Let me tell ya, being 38, married, and unable to save much for retirement because I'm still digging out from over $20,000 of credit card debt, sucks. It's a long, hard, crushing slog.
}:-)4
I've been there, I was over $22k in debt. I finally had to take all of the cards away from my wife and close all of the accounts. I had to get a 401k loan just to catch up and then restructured the remaining debt. That was 5 years ago, I have 14 more months before I become totally debt-free.
The amazing thing is that I still get credit card offers in the mail every day.