"those credit card holders who pay off the balance each month and avoid interest are called "deadbeats" because the company can't make much of a profit on them."
I’m proud to be one of those “deadbeats” also.
Related to that issue, I can recall getting a phone call offering to “lower the very high interest rate that you are paying on your credit cards”. I was in a somewhat perverse mood that day, so I thought that I would waste some of their time, just because they bothered me with their nuisance call.
So, I agreed to hold on in order to talk to a “debt specialist”, or something of that sort. I told this guy that I wanted to know specifically how much he could save me each month on my credit card interest payments, and I asked him to hold on so that I could find all of my latest credit card bills. I purposely took a very long time to “find” them, and I periodically returned to the phone to say, “please hold on…I’m still looking”.
After almost 15 minutes, I returned to the phone and said, “Now, let’s see how much I owe each of the credit card companies. Please hold a while longer while I add them up.”
Finally, I said, “Hmmmm…It looks like the total balance that I owe Chase is zero dollars, the total balance that I owe Citibank is zero, and the total balance that I owe Amex is zero. How much can you save me each month?”
The guy replied, “How can I save you any money if you don’t carry a balance?”, and my reply was, “Precisely! Now stop calling me!”