No, a credit score is a measure of how likely you are to repay an debt, as relative to your peers. The higher your score, the more likely you are to repay the

No, a credit score is a measure of how likely you are to repay an debt, as relative to your peers. The higher your score, the more likely you are to repay the debt based on your history. (Not taking into account the size of the debt in this calculation, which cannot be determined by a single factor.) The score is a scale, where the bulk of the population rides at or below the mid-point, and the very few ride at the highest score. This is differentiated quite effectively from what makes a "profitable" customer. Which, I think has something to do with what the OP was alluding to... Generally, a profitable customer doesn't pay the full balance off every month, and is slightly late once in a while. A profitable customer may have a low likelihood of repaying a debt, and the risk may outweigh any potential profit. Notably, if you're low-risk, you'll find it much easier to be extended credit up and to certain amounts, even if your behavior does not appear to be particularly profitable. That being said, when you specifically request that someone offer you credit, you increase the potential risk to the next lender. Which is why most of the credit card arbitrage plans require you to make massive bursts of applications at once, and then back off for a while - gaming the fact that it takes time for each lender to report its data back to the clearing houses.