Chen recently graduated from college and accepted a job in a new city. Furnishing his apartment had proven more costly than he anticipated. To assist him with making purchases, he applied for and received a credit card with a $5,000 credit limit. Chen planned to pay off the balance over six months. Six months later, Chen found that there were other expenses incurred in starting a new career, which restricted him to making minimum payments only. Not only that, he had borrowed on his card to the full extent of its credit limit. Upon returning from work one day, Chen found a letter from the credit card company offering to increase his limit to $10,000 because he has been a good customer and has not missed a payment. 1. Discuss the ethics of credit card companies that offer to increase credit limits to individuals who make only minimum payments and who have maxed out their card. 2. Should Chen accept the credit card companys offer? Why or why not?