<prompt> Human: I have great credit, and credit card companies love me and send me offers constantly, yet I havent paid 0.01 in interest in my life on credit cards, leading to my good credit, so whats the incentive for companies to go after me?Based on my limited knowledge of credit cards, it seems that credit card companies make money off of those that rack up high amounts monthly leading to higher interest. Yet people who do this have lower credit, and thus are less likely to get loans. Wouldnt companies be inclined to do the opposite?  <response>: Credit card companies also get paid a small percentage of each transaction that you make. 