October, 2007

So Chase sent me a card offer that looked a lot better than the card I’m using, and I figured I would see just how much credit I could build up. I applied a few days ago, and the card is already here. I still had no idea what the limit was on the card, so I logged into the Chase website-

Ten grand.

I now have $13,000 of total credit available to me, $10K of which has the same interest rate as the loan I got for my motorcycle. From a bank. For half of what I can put on this new card.

All of this would be really exciting if I had $13k of savings built up, but sadly, I do not, which also means I won’t be buying a house anytime soon. I think I will just be putting this card in a safe place to use if catastrophe strikes, and debt is the only option.

Maybe this isn’t unusual. I didn’t get my first credit card until after college, so I don’t know what kinds of limits are generally available to people my age. Anyone else experiencing a huge availability of credit? Home equity doesn’t count; I rent.

I want to go on a vacation cruise to Mars, dammit.

Given the fact that Google is a search company, why is it that there is no way to quickly search through the addons for the personalized homepage?