1. high utilization，一边花，一边还钱也算high utilization
2. 副卡花钱太多 http://www.mitbbs.com/clubarticle_t/Money2/58373.html
citi exec thread people thought what happened in DDF was
due to high utilization.
high utilization不是credit balance, 而是总共花了多少钱，不算还款。一边花，一
边还钱也算high utilization.所以大家不要一个月就刷太多
I got two card closed two months ago (under ld's name) due to large purchase
on authorized card but little usage on the primary card.
