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The bank's ideal targets are people who stay in plenty of debt but pay up all of their minimum payments. They don't like people who eventually expload i.e. bankrupts and they don't like people who pay off their debts; they want you sitting there in debt paying the interest.
A buddy of mine who had never been in debt before couldn't understand why the banks wouldn't give him a credit card, he thought he should have a better credit rating than someone who had been in debt for many years. He hadn't worked out that a person's credit rating is a gauge for the banks to see how likely it is they can profit from a person.
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