I know I can lower the limit and I plan to do that. I'm waiting until I pay off another $500 and then I can get them to lower the limit by $2500. My point is that if I'm such a bad risk, too bad to give a good rate to -- no late payments or defaults ever on my credit report -- then why is extending me additional credit a good idea from their perspective?Simple: greed. And it's the Evil Fleet I'm talking about here.
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