Credit CardsOk here is a idea, CUT the amount of credit on these dam cards, Who need 10K 20 K 30K limits thats all hog wash, Anyone who can afford to pay doesnt need that much credit because THEY PAY THEIR BILLS. SIMPLE FIX Look at all CURRENT VISA LIMITS AND CUT THEM IN HALF. Dont allow them to use it till HALF is paid off and then they PAY DOWN the other HALF. Other then that if they cant afford to pay them off then they are never going to anyway so DONT GIVE THEM A VISA.
All this free Credit to people with No assets is just mind boggling. If you dont have the Assets or the cash then you shouldnt get the CREDIT.
Cheers
V