I think flu is right. I am another 0 balance person. Between business and personal credit cards, I have substantial credit available and not one card has cut my limit. I have never carried a balance. I get cash advance checks with every credit card bill. I still get “preapproved” credit card offers in the mail regularly. Banks don’t make much money off of me, but I am “safe”.

I think credit NEEDS to be tightened. People need to stop spending money they don’t have.