Credit cards enable you to buy more products and services earlier, which is good for financial institutions that have investments in the businesses that provide you those products and services. Money that just sits there does nothing for anyone, but money does good things when it keeps moving. Even if they don't make anything off you, you're moving money around so the businesses they have partial ownership of can be seen as valuable and have reason to grow. They can't just give money to these businesses instead of you because then there'd be little guarantee that they'd provide enough value to be worthwhile. By giving you a credit card, you're telling the financial institution behind the credit card what businesses are valuable to you and what they should be invested in.
This isn't to say that they don't still consider you a low value user, since you're not providing them with much in terms of direct revenue. Yes, finance companies love it when you hand money directly to them and won't mind if you forget to make a payment after 20 years and and up paying interest.
This isn't to say that they don't still consider you a low value user, since you're not providing them with much in terms of direct revenue. Yes, finance companies love it when you hand money directly to them and won't mind if you forget to make a payment after 20 years and and up paying interest.