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paytonhudgins
Think of it this way...
If you pay a credit card balance in full, then you stop accumulating interest. The credit card company wants you to keep paying them, so they tell you how much you can pay. The thing is, you can't disable a credit card until it is paid off. As long as it isn't paid off,it is enabled and credit companies keep collecting your money. As they say, money makes the world go round.
TheBlueFox

Credit card companies make more money off of people who don't pay in full but it's kind of a fine line because on one hand, they make more money of interest for people who don't always pay in full but on the other hand, people who consistently don't pay in full are also more risky because what happens in the credit card industry is that you will sometimes encounter people who will do what's called "charge off" meaning they will stop paying and just don't pay you back. Obviously, there are courses of action that the company can take such as closing your account or they can even sue you which doesn't normally happen but it certainly can which affects your credit report so you will have a hard time opening new cards in the future.

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