LOL Credit Cards

Today I checked my credit card account online, as I do every week or so, to make sure everything is hunky-dory. I have an account via Working Assets, which means that 10 cents from every purchase is donated to a variety of progressive causes (Doctors w/o Borders, Greenpeace, Planned Parenthood, ETC.). Of course, the underwriter of the card is MBNA, a huge contributor to the GOP and various decidedly unprogressive causes. Still, you pay the thing off every month, you don’t pay any interest and MBNA doesn’t get a dime.

Anyways, today I look, and everything is fine. I notice my credit line. $3,000. When I first got the card, it was $1,000 or something. Maybe even $500. But every once in awhile, I request an increase in the limit. Today, I asked for $4,000, and got it instantaneously. (Before I think there’s been a human who has checked the requests before approving.)

Neat.

Lying about my yearly income might have had something to do with that. But whatever. Raising my credit line does several things. First, it makes me more attractive to “Zee Ladies.” (I think.)

Additionally, it makes the amount of money I owe at any given time a much smaller fraction of my credit line. Instead of having $400 owed with a $1,000 line, I’ll have $400 out of $4,000. This results in a better credit rating for yours truly. Supposedly.

But mostly it’s all about the ladies.