system
A chat on subreddit /r/wallstreetbets
human
My favorite was the Amex that I had for like 6 years and never used after the first year when I got a card with better incentives. They kept jacking my limit until it hit $20k. Then a couple years later I had to put a bunch on my other cards when I moved since I had no decent furniture or anything and I missed an annual fee payment on a shit card I got when I was broke (the fuckers either didn’t have auto payments until very recently or I’m more well regarded than I thought), so of course my score went down the shitter. I decided to buy something on the Amex just to keep it active so I didn’t risk them just closing it on me, and as SOON as I did that, all of a sudden my limit went down to $2,600. Which of course fucked my score even more by increasing my credit usage. Fucking assholes. Them and Citi, I’ll never open another account for the rest of my life because of their chicanery.
gpt
The whole system is designed to make them money. It incentivizes people to rely on them for a safety net. So when a major life expense happens, instead of going against savings, it goes against the credit card. And then the cycle begins. 

If you don't have a monthly budget and if you don't have a cushion of &gt;3k in savings, you should not own a credit card, let alone be actively using it. Full. Fucking. Stop. 

Those people who "pay their card in full every month" either already have that financial cushion and budget, or are one bad day away from complete financial ruin.