this post was submitted on 25 Jul 2026
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Perhaps it's the lack of consistency in someone's life. A credit score is just a system to tell banks if your are going to be profitable or will you keep up payments for them. Paying a card off is the ultimate revenue loss for a credit card company.
Not really, people with bad credit make them the most money, they stay in the debt cycle and have higher rates. They probably cover their loss risk in the first year of a lower credit score person in interest.