My ex-wife was once the front office clerk for a chiropractor and him and his long-term live-in girlfriend got a lot of mail that came straight to the office.
The wife had a number of credit cards, which she paid pretty much the minimum balance on most of the time, occasionally freeing up space on one with a big payment but generally just paying minimum balances.
The dude in question had a number of cards which he kept fairly empty, usually paying them off within a month or two.
He got constant offers for cards with 5-10k limits, and she got constant offers for cards with 20-50k limits.
Something I always remember with it, at least. Paying minimums or just a little more is essentially paying a monthly fee for good credit.
