When my credit score was 725 to 775, I would get daily credit applications. At times when it was 850, I would barely get any.

They target people with just enough credit they assume they will be paying interest.

Ive had perfect a couple times. Mainly when I have a car loan or something then it drops to like 775 ish, then goes back to 810 and bobs there.

It isn’t really buying small things either. It’s buying homes or cars. While small purchases do affect it, they want long term loans.

Your credit score is your willingness to pay interest. While not using too much of your available credit, which is utilization.

Mostly your willingness to pay interest monthly. (Your score does sink when you pay off a loan, by a lot.)