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This is interesting prespective and clearly there are nuiances, because the posters who i was referencing with the toy limits typically don't have good credit to begin with and those poor limits are byproducts of that....but posters that already have built solid scores ...xi, open, etc. benefit greatly. i just think in order to build or even rebuild good credit you have to a solid history...and shopping for cards is a bit much for my taste.
Overall, this is good feedback!