That’s soliciting. I didn’t get any mortgage solicitation until I started applying. I will now be getting unsolicited refinance offers until the end of time.

They hope you’ll pay interest on credit. They do not require you to pay interest and do not have any way to see if you’ve paid interest with other creditors. They know people only have to slip once before it becomes a profitable spiral for them.

Credit offers target lower scores too, just with more predatory things like higher interest rates or requiring secured deposits. Everyone will have different credit limits, too. While the credit card companies enjoy when you overspend and have to pay interest, they do want you to actually pay it back, so there’s a limit to how much they’ll extend to you. Plus, limits change over time. All but one of my cards has increased over time as they “trust” me (read: they wish I’d use their card more than the others by not worrying about utilization). One card went down due to underutilization, which I found odd, but I guess they were more worried about controlling their own lending promises than enticing their customer.