If I don't have the cash
I don't need it
I'm pretty much worth less

Corporate or Retail Credit Manager?

mmaddog
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I can tell you why AE has gotten tighter.....over the last couple of years they use a new credit scoring model that "predicts" the probability that the customer will eventually become delinquent or unable to pay their bill. So when the score gets below a certain level it prompts an automated decision. That decision could be anywhere from terminating your card, reducing your C/L by a small amount or a large amount, or do nothing at all.

mmaddog
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The part you leave out is that depending upon the lender, any Credit Line (used or unused) that you have will be viewed as a negative, especially if it is a revolving line of credit.

mmaddog
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On my card, there are "cashback rewards." I don't pay too much attention to it. I think quarterly an amount come off my bill. They don't cut me a check, they just don't make me pay.

My wife's card is a CLUB card with Cabela's, they give us .01 for every dollar spent on the card. .02 for dollars spent at Cabela's. It's pretty nice. I had her put most of our wedding expense on it and have her dad reimburse us:).

I think credit cards were invented by Satan. I stupidly got 2 cards when I was in college, without knowing how hard they were to pay off. Needless to say, I am paying for that crap from 7-8 years ago now. Man I wish I would never would have qualified for something I couldn't realistly pay back anyways.