My credit cards were maxed out but I couldn’t pay the balance down. I was getting tired of not being able to buy anything. I wanted to go on a nice vacation. I called the bank and told them that I was maxed out and that I couldn’t pay down the balance. They said, “no problem, we will raise your spending limit!” I saw that I had several more thousand dollars to spend so I booked my vacation. If I max it out again, I guess they will raise my limit again. What a great country we live in!