When used correctly, credit cards are the easiest 
way to earn a good credit rating. Even if you let 
them sit in a drawer and use them once a month 
just to keep the dust off. So long as you pay the 
bills, you earn good credit. Go figure. (*shrug*)

Although a credit card with a high maximum *can* 
count against you. My husband and I ditched his 
second, higher maximum credit card since (and 
you're all going to love this) we wouldn't have 
been able to get a loan on the house as easily if 
we had *too* much credit. . . Lenders would have 
expected us to "use up" that first!! O_o;;  Same 
went with the school loans I applied for - all 
wanted to know how much "available credit" I had 
through credit cards, and it counted against what 
I could get from them.

Long ago I called my credit card and told them I 
do NOT want my max increased any further. (It's 
already more than I would or should ever spend in 
any given month.) And still I have to call them 
back when I see it increase again. I understand 
what another poster said about it being a fight! 
Every time it's a fight to tell them, "No, I 
really **DID** mean it!! Do NOT increase my 
spending limit!"  ~_~  What part of this do they 
not understand??

Many Sharp Smiles,
--Drac