The spending pattern was approximately $250 in ATM cash advances over a 3 month period. Although none of their business, it was business expense related. However, they claimed that I *should* have made more than the minimum payment rather than simply keeping my account current and paying the minimum amount due per the credit card agreement. Also - during this three month period, I paid off another MBNA account: a 3500 balance paid off in two months. When told this the reply was "we are not interested in your other MBNA accounts". And - with the same statement in which they announced my almost doubling APR (9.99 to 17.99), they gave me an unsolicited 5K credit line increase! Ok - in addition to cancelling both accounts, any suggestions on follow up action. Thanks.