Isn't it true that credit card companies make a "small" percentage on all transactions? The idea you need to pay the credit card company more money in interest to get a credit increase seems rediculous. If you pay your bill off every month, that should demonstrate your ability to pay higher sums each month. It makes no sense that they see someone making smaller, partial payments as a better credit risk. It would sure be interesting to hear from someone in the credit card industry for more insight.