Spunky

100k

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KRL

You're spending $75K a month to have fun?

That must be one big load of fun.

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jayeff

And he gets to tell everyone here about it too...

FlyingIguana

funny, i called bmo a few years ago to up my limit from 1200 and they asked for my tax returns. i laughed and cancelled my card.

Kimmykim

Actually if you get to a certain point with your lender, you are not talking about their extension of credit to you, you are talking about your leverage with the creditor.

This is a very simple thing and falls hand in hand with every truly high profile bankruptcy from Donald Trump to Levitz Furniture stores.

Once you, as an individual creditor or corporate creditor get to a certain point in your relationship with the folks that have extended you credit, you become the controlling factor in the relationship. If I'm Donald Trump and I default on a billion dollar note, then it's to the banks best interest to continue to up my credit if I am using the line and need more credit in order to repay the amount I owe. If I'm Joe Average and I'm unable to pay a 200 a month bill on a 10k note, then I am a liability since the banks would rather take a write-down on Joe Average, given the fact that he's not dealing with sums of money that would hurt the bank more to have go unpaid than to extend him a little more credit (or sometimes a lot more) and see if he can pull a turnaround.

More later if need be, this is getting long....

SleazyDream

it def is!!!!!!!!!!!!!!!!!!!!!

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This dog, is dog, a dog, good dog, way dog, to dog, keep dog, an dog, idiot dog, busy dog, for dog, 20 dog, seconds dog!

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SleazyDream

if ONLY the hookers here took credit cards - It would double my air miles!!!!!!!!!!!!!!!!!!!!!!!!!

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This dog, is dog, a dog, good dog, way dog, to dog, keep dog, an dog, idiot dog, busy dog, for dog, 20 dog, seconds dog!

Now read without the word dog.

psyko514

if you're canadian, there's a form you can print off www.equifax.ca and fax into them. they'll send you the report for free in 2 weeks. the score won't be shown though.

to find out your score in canada, you either have to be verrrrry friendly with a bank employee who just pulled a report on you, or you have to pay a 3rd party company.

but, the score is rather useless to know. the importance of the score itself varies from bank to bank. also, the way the score is calculated is different from bank to bank. for example, a 675 at TD might be better than a 700 from RBC, but worse than a 660 from CIBC.

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smashface

No - only if you run up the card to its limit. The credit scores consider the amount you could borrow, your actual balance and your payment hostory among other criteria.