Hear, Hear, TNWM,
If one already has a mortgage, 15 cards with $0 balance and $150K limit ain't an issue. Car loan ain't gonna care. If someone can handle one card with a $1500 limit, they can probably handle 15 with a $150K limit.
If one cannot handle one card with a $1500 limit, then 2 or 3 ain't gonna be any better.
@Tuscani wrote:And honestly, I would not want to deal with a creditor asinine enough to decline for too much credit.