The following questions needs to be done with the help of case study below:

Chen recently graduated from college and accepted a job in a new city. Furnishing his apartment has proved more costly than he anticipated. To assist him in making purchases, he applied for and received a credit card with a $5000 limit. Chen planned to pay off the balance over six months.

Six months later, Chen finds that other expenses incurred in starting his career have restricted him to making only minimum payments on his credit card. As well, he has borrowed to the full extent of its credit limit. Upon returning from work today, Chen finds 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 for individuals who make only minimum payments and who have maxed out their cards.
2. Should Chen accept the credit card company's offer?