Agreed. Its not the high credit limit thats the problem, its the will power. I say get as much credit as you can when you can, that way when you need it, its available to you
I have two credit cards right now and if I'm unable to pay off the entire bill at month end, I just write myself a BAT cheque from one card to the other. Their interest rates are 3.99% and 4.99%, so both are lower then prime. I also have a $10,000 LOC that I was pre-approved years ago at p+2.75% that I have yet to use
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