Depends. There are plenty of stupid rich.

I worked oil and gas, coworkers bragged about only paying the principle interest. They both made over 6 figures out of college. Had another coworker in oil and gas that rented his vehicles, never owned them. Eventually covid happened and car prices went up. He also lost his job for incompetence. Didn't own his house nor his car.

Similarly, I knew a doctor/teacher combo that kept buying stuff. Like a boat, cars, bigger house for their stuff. They divorced as stuff isn't an answer for issues.

Those would be considered the profitable debters.

Mine goes up when I have a zero balance. My score always drops if they do the check while I have a balance on the card.