Egregoros

@Hyperhidrosis they try to make it sound like a fair game where you're rewarded for being financially "good," but it's really based on risk assessment: what have people who had similar behavior to you done in the past, and was it profitable for the lender?

not carrying enough of a balance month-to-month could actually hurt your credit score. they make more money when they get to charge interest and fees, the only real risk is if you go totally broke and either declare bankruptcy or make them accept a settlement. for example I ran my cards up, went delinquent, and settled for about 40% of the value. couple years later I was able to get a mortgage. so what does that tell you?

they thought I was just irresponsible enough to miss payments and earn them fees even after taking a huge loss on me. I've not gotten a credit card since though, just not interested in "building my credit," or any of that shit because it's all fake.