Exactly, it's the opposite of what OP said. With some companies you are actually more likely to be given a credit card if you have demonstrated a shitty spendin

Exactly, it's the opposite of what OP said. With some companies you are actually more likely to be given a credit card if you have demonstrated a shitty spending history, since that's how they make money on you. Paying everything off on time and never accruing any interest is not a way to earn any money.