Take down the maximum amount of credit your credit card permits, but it does not help your credit score. So do so only in an emergency.
It’s nice to know that your credit permits you a certain liberty, but don’t take extreme spending binges.
Of course, if you don’t use your card at all, or only occasionally, you may be dropped or the maximum available credit may be reduced.That’s because credit card companies are getting more sensitive about account activity.
Despite public misinformation, credit card companies do not do as well as it may appear. They have written off much bad debt. (See the Earl J Weinreb NewsHole® comments.)
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