I agree the person you are responding to was out of line. But your question, who is taking a credit line at 30%, you could answer for yourself if you had been

I agree the person you are responding to was out of line. But your question, who is taking a credit line at 30%, you could answer for yourself if you had been in that situation before. For example, I might answer it with, "A college student who has books to purchase for a class but no funds."