There's no question that unsecured debt is riskier. But if one account is an outlier, there's usually a reason for that. And all the reasons you mentioned above, have to do with total debt, not with that one account (we're talking from the perspective of a creditor considering granting additional new credit).
Your feelings are just that...your feelings.
FICO algorithms give zero credence to your feelings.
FICO algorithms don't care about your 0% balance transfer. They don't care that you just put a roof on your house and wanted miles. They don't care you bought a server farm and wanted AMEX protections. They don't care you were MSing your XXX card at XXX merchant for a 3% profit.