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All the processors have different scrubbing algorithms, the merchant you were buying an ad from with ccbill may have had a higher CB ratio and therefore a high scrub. It could happen anywhere. There are cards that will be rejected with only one of the processors. I'm sure ccbill on average is pretty good. As far as the Ibill comment goes, for me Ibill is great, I don't see any issues with them.
On the credit card thing, my credit score went up when I got rid of half my credit cards. Now I only have 4 credit cards, I used to have like 12. My score was 827 (super high), until I recently did some refis and financed some other investment properties. They always list "too much credit" as a neg. factor on my reports. The key to good credit is to signup for those credit watch services, they report anything that shows up on your credit.
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