Tough Truth Shared by Lee Lee Joyner: Do you know banks can tell what color you are by your spending pattern? If you get a new credit card in the mail and max it out. They assume that you are poor and drop your credit score. If you spend less than 1/3 of the available balance on your credit card and pay it off each month. Credit card companies will normally double your spending limit, if you ask every 3-6 month.