She informed me it is becoming a norm in their industry to "flag" an account as a "Bad Risk" if they receive a call from a customer, threatening bankruptcy if they don't lower APR etc. This may be shared with other companies that you apply to. I did not know - despite the competitive nature of the industry, they regularly share information with other credit card companies upon request. If you apply for a new card and they note on your credit report you have ABC Visa - they will randomly contact ABC Visa to inquire on your account history in regard to timeliness of payments, average balance vs limit etc. I asked her how they feel this is allowed - she said that most credit card applications state that you agree to let them share information with other creditors - this is probably true but I don't recall seeing it on an app.