The thing most people don't realize is that your credit score is mostly an indication of how much the bank can make off of you, and your income. High income basically always gets you a high credit score, and making minimum payments also gets you a high credit score. Lets say two people who both have the same income, the person who pays their debts off fastest will have the lower credit score.

It's pretty easy to get a high credit score by maintaining a balance on a high interest credit card.