takeshi wrote:It's all in what you're used to though I was nervous when I charged $19K to a card in one transaction for a remodel job last year.
For me, it's more the risk of losing the card or having it stolen. I work in a HUGE office building, and just a few weeks ago, apparently someone went through an office suite (fortunately not mine) and lifted cash and credit cards. The thief was apparently very well-organized, since the cards they stole had thousands of dollars in charges on them within an hour of the first report that a card was missing. I assume they'll be caught because we have security cameras *everywhere,* but it sucks in the meantime while the victims sort out their issues and the thief is identified. I never charge anything I can't pay off, and *won't* unless it's "desperate times" (which would be truly desperate since I do have substantial savings I can tap if needed), so just *having* the line doesn't worry me on the "temptation" front, having it worries me on the fraud and theft front (I had my UMP stolen back when I had a *much* lower line, and the thieves maxed it out within 3 hours...while all was well because I reported it promptly, I did have to go through that hassle and also the hassle of filing a police report because the fraud was substantial).