I learned early on that credit card companies love people
who max out their credit cards. They love them because of the income stream
they get as a result. However, if you max out your credit, the companies may
also view this as a sign of desperation and assume that you are a risk. It is a
catch-22: If you are barely using your credit, the credit card companies do not
have much reason to increase your limit; on the other hand, using your credit
too much will make them feel you are a risk.
Consequently, to make the credit card companies happy, you
have to do two things. First, make them feel you are not a risk. Second, let
them know that by increasing your credit, they can make more money from you
without increasing their risk.
How do you do this? Easy
