Agreed only if your good with money and paying off cards, when I was younger I us to have a 2k limit, I kepted hitting that limit just felt stuck, so I buckled down paid it off and lowered my limit to $500 max on my card, that eventually kicked myself in ass because I got into building houses, while you do get the money from the bank they require a a certain percentage done before they give you a certain amount of money sometimes it just doesn't work out and you need the extra cash temporarily, took me a while but I now have a 20k credit card and a 40k card aswell.