"I think we are seeing some consumer behavior change where people are paying attention to their financial situation, keeping an eye on keeping their [credit] score intact," said Christopher Brendler, an analyst at Stifel Nicolaus. "Credit card [companies] make a lot of money on sloppy payers, people who pay you but pay you late. The worst case for credit card companies is when everyone who pays you late charges off."
—Jonathan Starkey, "Capital One Copes as Clients Kick Habits," The Washington Post, August 10, 2009
By contrast, there are "sloppy payers," who pay only some bills on time; "abusers," who are defiant about paying; and "distressed borrowers," who simply do not have the means to pay.
—Eric Dash, "Risky Borrowers Find Credit Again, at a Price," The New York Times, December 12, 2010