Credit rating system is completely wrong

Leave it to this industry to find creative ways of launching new problems. I know that this isn't exactly new news but this story about how to improve your credit rating reminded me of how ridiculous that business is. Cutting up cards or paying off cards or not using cards is bad for consumers if they want a strong rating. Yeah, that makes perfect sense. Paying late (or never) does make sense but the credit card business is yet another part of the banking industry that could stand to be updated. Why should consumers be penalized if they do their best to get out of the credit web? See what you are doing wrong even if you think you are doing the right thing.