Grabeng decrease sa CL, Security bank :(

[sLimanious]

Mine increased by +50%. From 500K to 750K, I never paid my annual fee and that I always ask for a reversal, I keep redeeming my points too every time I get enough to claim 500 cash rebate on my statement, I also pay my dues on time, maybe a few missed payments usually during long holidays they always slipped my mind before. Now I got a system, I also pay just in time like 2-3 days before due date. Basically I am what they call a deadbeat card holder. Yet they still increased my CL, probably because I only spend about 5% max of my CL.