Banks and pre-approved credit cards

[kandrathe]

The limits are generally ridiculous. My sister (a junior in college) has an $11,000 credit limit :huh: They want you to spend a lot so you can't pay it all off at once so you have to pay interest. Credit cards were created by Satan himself. Or perhaps he just made the credit card companies.
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:: nod ::

The only time I ran up toward my limit on my card was while traveling extensively in Europe. Credit card companies do a better job in getting the best currency conversion rate. Then you get back home and pay it off.

It's also nice to have a buffer when on your way to Saskatoon, your engine fails, tire blows, and you end up spending the night in Esterhazy while Floyd fixes it.