Also a good point was made about obtaining credit and it's use...there really is very little good sense to having a small income and obtaining large amounts of credit...If you have more credit than you can ever hope to pay back then you need to ask yourself what good will this ever do for me? Is it really piece of mind or is there another name for it? If you use credit cards to pay bills in hard times well is that not what got you in trouble the first time around? I would love to hear people be happy and talk about the new high paying job they just got or the new business they just started but I guess this is the wrong board for that. Remember folks; credit cards are just credit and not the same as winning the lottery or getting a higher paying job. The sad fact is that a very high number of people who have very bad credit or will create bad credit do so by having more credit to begin with, than they can ever hope to keep up the payments on. BTW' I am someone who once had very bad credit because I allowed myself to fall into the trap, I've since then had it ALL removed and although I am young I know I could have find myself in the same boat again if I allowed myself to think itâ??s money in the bank and not just credit aka a loan. Anyhow I know I won't let the shiny new cards in the mail make me too happy because they aren't really here to look out for my best interest. Itâ??s great that people are obtaining better rates than the likes of CCB and others but really peopleâ?¦does it really get you off to walk into a store with a Citibank gold card, make a purchase and then walk out into an old used car that you are still making payments on? To me the magic has worn off and Iâ??m only in my early 20â??sâ?¦I have a friend who is 22 years old and carries 2 gold cardsâ?¦that was the day I realized my prime cards were no big dealâ?¦much like cell phonesâ?¦we all have them now so itâ??s not much to write home about anymore. Good luck to all and please donâ??t let credit, control your life and then turn on you and make you afraid to get your mail every month. Sorry for the long post, I just figured I would finally speak up.