Do you ever feel like the banks or credit card companies literally give you too much credit?
Yes, absolutely. I am retired and have two credit cards. I stopped using my Visa card as much as I used to, because I recently got a new Costco MasterCard that gives me a more generous cash kickback on purchases. I just received a letter from Visa, offering to almost double my credit limit, even though I have never come close to the old credit limit. At least they asked me. In the past, it was common for credit card companies to routinely raise credit limits without asking.

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