So far I think I've provided the best hypothetical answer while everyone else congratulated him. As the person says, loaning money out is like playing the stock market. The bank hopes they will find someone that will spend just enough money to pay interest, someone that will buy something just a tad bit above their means. In other words, what I am saying is the CL can give a person a false sense purchasing power. That's how I intrepret it when bank gives high CL. I mean come on, the other banker wrote that he witnessed a customer who had an annual income of $25,000 but had $150,000 in credit spread acrossed 28+ cards. There's no way in the world this person could support this type of credit or reason to have it.
