 those first few years. And they're going to let your credit card limit as you pay off that balance continue to rise, hoping you'll charge more and more. And then once you start to carry a balance, well, now they're making more because they're getting the merchant rebate, plus they're getting the interest. They're going to keep raising that limit until eventually you are late because you didn't have the money, you missed the payment. Now all of a sudden they're earning a