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@mespilus
My limited understanding of Credit Ratings is that they give financial institutions an indication of how much money thay can make from offering you credit.
Interest is the biggest money spinner, but shrewd thrifty credit card users pay off the balance each month, and they are to be encouraged because they do not default.
The next biggest money spinner is the commission the bank makes from each transaction. If you are a less than £250 per month credit user, you may be below some arbitrary threshhold of profitability. This may explain your declining CR.