[mythtv-users] Alternatives to Supporting schedulesdirect.org

[Braindead]

On Wed, 8 Aug 2007 09:11:47 -0700
David Brodbeck <gull at gull.us> wrote:

> 
> On Aug 8, 2007, at 7:59 AM, Brett Kosinski wrote:
> > Meanwhile, I'd just as soon never have a CC with a $15K limit.
> > Who wants a 15K loan at ~18% (or more) interest?
> 
> This is getting OT, but I'll tell you why you might want a card with  
> a $15K limit: Your credit score.
> 
> A big part of your credit score is the ratio between your available  
> credit and the amount of credit you're using.  The theory is if you  
> max out your cards, that shows irresponsibility; but if you use only  
> a small portion of the credit available to you, that shows you're a  
> responsible borrower.

A lot depends on your income.  CC debt is unsecured, and any credit you have on a CC that you haven't used is a risk that you could go out and use it.  If you have more potential unsecured debt than your income justifies it will negatively effect your rating.