[milkshakes]

credit utilization is a factor in credit scores, which are important for things like mortgages and auto loans. higher credit limit, ceteris paribus, is lower utilization

[nixass]

Oh my God what a financial hellhole US is

[hamburglar]

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.

[milkshakes]

i don't have any problems with credit, i am just answering the question