Credit scoring doesn't just tell what services you'll be offered and receive but it also shows how better the things you are actually getting. For instance, most credit score reports are representative, meaning the interest rates depends on what will be your credit score.  As to credit cards, if your credit score's too low for the treaty you wanted, you might as well get accepted but offered with a different service.  The intention of this guide is to ensure that lenders and creditors see you in the positive side.  You are encouraged to pay bills on time in order to avoid arrears and delinquent account for the reason that your ability of settle the minimum payment is a positive effect to your credit score report.  Moreover, in order to raise the credit score, you also make a habit of maintaining low credit card balances and avoid ignoring debts.  Perhaps, you might like to open another credit card account but first, make sure to close another account, too as this will affect the credit score.  Lenders and creditors choose clients for their own benefits and not the clients’ and so, this credit scoring system is not just about the risk of offering services but a profit as well.  Clients who are considered as risky are those who are doubtfully to repay their accounts and this is already a danger to the profits.  The financial crisis overstated this system. The sooner we comprehend that lenders are there to generate money, not assist us, the better we can play our part in the system.