Lol@hiline... Think about this... Don't you still need an income to retire, ie...a retirement account LOL... You can retire without income haha... And a study I read said that older people typically have muuuuuch higher scores anyway, so a 750 FICO with a 30 yr + cred history would still be more prized than having too much avail cred...
Yeah, I think it becomes more of an issue of what you owe and why and if it is too much... Just because you have avail cred, doesnt mean you use it. In fact, we are all striving to use less than <10% of our avail cred... But then again, if you're posting here... You apart of much more informed credit consumer than most imo. Lol
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