Oh my God what a financial hellhole US is

I have never had a credit limit higher than 1800. I’ve managed to get lots of mortgages at rates that are just fine. Stop believing you’re a slave to your credit score.

Oh I do hate the game. I refuse to worry about credit scores and I haven’t checked mine in over 20 years. I’ve got a ridiculously low credit limit and that suits me just fine. Live like you don’t need credit.

If you actually have $110000 in freely available disposable cash and you’re worrying about whether you have the ability to spend it all on a credit card versus arranging a funds transfer or a check, I question your decision-making process. :D

My advice is to ask yourself how important your credit limit is, and ask yourself why. And challenge the notion that a better credit score has any positive impact on your life. You have a whole chain of “truths” you take for granted: higher limit implies lower utilization. Lower utilization implies better credit score. Better credit score implies better mortgage rates. Better mortgage rates implies better something. What I’m trying to tell you is you can forget every single bit of that dependency chain without doing yourself any damage and you will actually feel better.

Sorry for the proselytizing. I know I’m doing it. But I think it’s a huge part of our consumerism addiction.