Two things less often known about CC issuers: 1) They’ll happily send a card to just about anywhere; a major use case is “I am traveling far from home and lost wallet so I need it tomorrow.” 2) CSR is no more than two clicks from waiving new card or shipping fee.https://twitter.com/jtwald/status/1094773769388711936 …
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I mean, even simpler than that: if you don’t use the product then you’re all downside. They want people who keep them top of wallet.
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I think you’re right. They make sure you don’t want to cancel in the first place via the credit score system rules. In order to have good credit, you need to maximize the number of lines of credit. In order to be financially responsible, you should minimize them. Funny system.
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This matches my experience!
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