Let's assume there are two people, A and B. They have exactly the same background and the same credit card, say, Chase Freedom card of the same credit limit.

They share the same spending habit and amount, several dollars here in the grocery store, several there in the gas station. However, their payment habit is different.

A checks the credit card and pay the balance off on a daily basis. B only checks the card balance and pays it off every month on the day before the statement is posted. Suppose Chase report the credit card balance once per month after the statement closes to the credit bureau. So I think the credit score of A and B should be the same from the credit bureau's perspective.

Plus: I would really appreciate that if someone here can recommend me some books or papers about how banks manage credit risks, especially credit card.

My concern is, how does the bank,in this case, the Chase bank, regard this difference? Is A considered a better customer than B? Will A be given a higher credit limit in the future by Chase if everything else except the payment habit stays the same?

Thank you. I'm just curious how bank decides whether or not someone is a good /lucrative customer, although in this case, A seems a little bit more lucrative than B a , not sure whether banks really factor this in when giving credit line.

Plus: I would really appreciate that if someone here can recommend me some books about credit risks management, especially about credit card risks. Thank you in advance.