I'd still like to be able to get a $20k limit on my card. In another comment, you proposed a $2k limit; I go over that nearly every month and pay it off before

I'd still like to be able to get a $20k limit on my card. In another comment, you proposed a $2k limit; I go over that nearly every month and pay it off before the due date, as part of my planned and expected monthly cash flow. The problem that I see here is that I was never forced to prove my ability to pay my debt, and the limit isn't raised and lowered to match my current circumstances. I agree that someone who couldn't reasonably recover from $20k in debt shouldn't be given the opportunity to accrue that much. It doesn't do anyone any good, aside from the leeches that make things harder for people in trouble, while purporting to help. I'd like to not be hamstrung by someone else's difficulties, though.