In the 90’s, even though I was working and made decent money, and my name was on my mortgage ( along with hubby’s) I found I had no credit rating. That’s how they did it then, married women at least got zero credit. I had to do a 90 days same as cash thing on tires I had cash to
buy. That got me a credit score - a really low one, but better than nothing.
Then I was able to get a credit card. And once I did that, I got offers from everyone every week.
My credit was in the excellent range when my husband died. I never got a single offer until It dropped 50 points instantly. Then, I was still ‘good’. And the iffers started coming again. Now that I’ve got it up again, no more offers. So that’s how they work. They don’t make money off people like me who pay that stuff off every month. I only use it for convenience and never pay interest.
They’re looking for people who need to borrow, can probably eventually pay it back, but not before paying some interest.
Downside is, my interest rate is high, and no cc will give me lower. Because if they do snag me, they want it to be worth the wait lol. So if I have to pay for something on credit, I’ll use my revolving second mortgage, interest is low on that.