Credit Card Companies Don’t Want You To Know This but I’m going to tell you anyway. They don’t want you to know that your interest rate is Adjustable- meaning your credit card interest rate goes up. They don’t want you to know that you don’t need a credit card. They don’t want you to know that you don’t need to carry a balance. Credit Card Companies Don’t Want You To Know that you can get a credit limit increase every six months but sometime you’ll have to negotiate.