system
A chat on subreddit /r/wallstreetbets
human
Credit card companies make most of their money off of people who shouldn't have cards. They are losing money on it because it has a lot of caps on fees and interest rates that other cards don't.
gpt
Well not exactly. If you keep missing your min payment, eventually the card will go into collection and gets sold off as bad debt. Most likely for penny on the dollar. These ppl shouldn't be given a card. 

The folks who rake up a balance and pay minimum each month are technically the best customers.