You may not like the fact that you are falling into a tail end of the risk profile but the facts are that the credit card companies are far better at pricing risk than any other institution.

Additionally you said that they are really not making any money on you so why is it not rational to cut you off.

High credit balances demonstrate a higher risk. If you are trying to game the system simply open up additional credit card and keep the limits under 30% of overall credit balance. If the goal is to continue to arbitrage the situation no sense complaining simple play by the rules and open up additional Credit Cards, put Balances onto these and pay down part of the 50 K on the other.

My credit cards are being closed due to inactivity. I could keep them open but at this point it just doesn’t matter to me and the reduction of credit is so minimal that it really isn’t going to impact my credit.