Here's the real deal:
They extend you credit because, if it's in your wallet, you might just use it when you don't really need to but can't wait. The power of knowing you have it available is the whole reason why they want you to take it.
It's a gamble where the house always wins, unless you decide to cut it up and give it back. I'm sure they even have stats on how often that happens and I can bet it isn't a whole lot.
I have one of those too by the way. Booked my last vacation with it actually
