How to make it impossible for a credit card company to lower your $20,000 credit line to $500?

Of course the good boy answer, the goodie-two-shoes answer, is don’t use credit cards, don’t carry balances on them, don’t purchase what you can’t repay at month-end in full. But there’s also a bad boy answer. It’s, dump all your bills/expenses/dirty laundry on the card with the biggest credit line, VERY FAST...... show more Of course the good boy answer, the goodie-two-shoes answer, is don’t use credit cards, don’t carry balances on them, don’t purchase what you can’t repay at month-end in full.

But there’s also a bad boy answer. It’s, dump all your bills/expenses/dirty laundry on the card with the biggest credit line, VERY FAST... so fast that there’s no time for an action to be taken ...

Then, they can’t lower your line below what you already utilized, and this means you now, instead of having had to shell out all this cash to cover all those bills/expenses/dirty laundry,

You can use that cash to pay down a higher APR credit card balance with a lower credit line, and then re-apply for a lower APR credit card with a higher credit line .....
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