DGChabino,First, your brave for stating your opinion here and I do respect that and Actully wish More lenders or a few ppl who work in the credit card industy would post here. Your point is well taken. Ppl in position like your self could really answer a number of questions that I have yet to see any definitive answer like:1. How much available Credit is too much?2. What are the ramifications to declaring bankruptcy versis going to CCCS type service or having a few late payments on your credit report?To be honest I doubt there are any difinitive answers since alot of the industry seems to me to be rather subjective with only some loose guidelines to operate by - I could be wrong but it seems to me to work that way.First, I dont blame anyone for trying to make a living. Which means I dont mind paying some intrest for the luxury of borrowing money, if I so choose. Its a question of how much and the methodologies that some credit card companies employ that really rub me the wrong way. Going after College students who can't pay is rediculous. They are using the Tabbaco industrys reasons for targeting Teens, hook them young and they generally will stick with Brand A rather then Jump to Brand B. In the process you give a kid, whom is just enjoying freedom for the first time a $1000 spending spree and no or little income to pay it off with... Smart huh??? Not to mention all the intrest just racking up.Second, If anyone has ever been introuble once or know of anyone who is/has been in trouble CC companies are NEVER your friend. Worse they seem to pounce and take advantage of the situation amd maximize their profits since many times their Terms and Conditions of the Unsecured credit allows them. In your case a lender with a Fixed rate loan typically there is little you can do aside from rack up late payment fees/bounced check fees. The general terms of the loan cant be changed - like the APR. I am sure there are other things I am just not aware of. And perhaps the biggest problem I have with CC Companies is just there general Attitude. Us versus them and very confrontational... Very didfferent from most banks, Lenders That I have delt with in the past.I do hope you can provide some insight into some of the above questions as well as continue to post here. I can imagine your knowledge would be a welcomed addition here. Good luck Bottle Rob
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