Upon graduation, both you and your roommate receive your first credit cards with identical features. You use your card extensively to make purchases, always paying your credit card balance in a timely manner so that you incur no interest cost. Your roommate pays for everything in cash, reserving the credit card only for an emergency that never happened. After two years, you both look for a new credit card. Explain why you are offered a new card at a much lower interest rate than your roommate, despite both of you working in similar jobs for the same income.