I suppose I'm referring to people with established credit. I know when I was 22, I already had 7 years of credit history and was maxed out at 1k, then they uppe

I suppose I'm referring to people with established credit. I know when I was 22, I already had 7 years of credit history and was maxed out at 1k, then they upped it. I reached 2k at one point. I constantly received laters for credit cards, pre-approved. At the time, I'd transfer it over at 0% for a year, paying like 3% transfer fee or something like that. Started with Cap1, got offers from Citi and Chase on the regular. I had friends whose parents were doing this that eventually filed for bankruptcy. So I know first hand it works and that it's obviously a problem. If you have no credit history, then yeah, you can't do this but it's doable. I'm not saying to do this but it's how it works. Some people have kids, give them lines of credit before their of legal age then start massing credit on their name and rinse and repeat their game on the kids credit.