So, it seems like the last few months banks have been wanting to lend to me an way more than I need. I applied for a credit card a few months ago for rewards and a good interest rate and they gave me a limit 10x what I need. I've got offers and pre-approvals for thousands of dollars of revolving credit just coming my way and at decent rates. Now I know it is lending and I know how credit and interest works and why they do it and how it could benefit me but, do I take advantage of it?

I've never really had out of control manic spending but, I never had access to a lot. Sure, I've gone into some debt but that was all repayable within a few months because it was only a couple thousand here and there. Stupid disorder.

Yea I can close down accounts with worse interest rates, and lower limits but what if I ever need the credit? Then again, what if I go all high and have access to this stuff making things worse. Ugh, if I could only predict it!

Stupid disorder!