oh come on people, credit limits aren't simply for" the necessity" , like buying sports bras and wonder panties at Victoria secret, they are for padding utilization, financing large purchases without an effect on your score, enhancing your credit portfolio, etc.
after all, we are talking about banks here. We aren't taking about non-profit organizations researching cures and helping the helpless.
Take what you can get from these people, use it responsibly, and have no regrets. When you go down, none of these banks will be there to pick you up, and when they go down, they won't think twice about walking away like nothing ever happened.
Responsibility, not necessity.
