pay them? this is really bad but then why do the credit card companies keep on sending her credit cards when it's odvious that she doesn't pay her bills? shouldn't they stop sending her applications?

No, they make more money on the folks who do not pay, due to late fees, etc.

Seems obvious to me too.

Buy an alcoholic a bottle of booze, a arsonist a 5 pack of disposable lighters and someone unable to manage their credit a brand new credit card.

IMO it is a bit counterproductive.

Isn't it amazing how the banks keep offering credit to people who are already stretched way over their head...then cry because their profits are going down the toilet due to all the charged off accounts?

They deserve what they get.