Okay, we get it...Higher limits can be useful to people who are responsible with their credit to begin with. But why is no mention made of the real cost of a hard pull inquiry on your FICO credit report?  Assuming you get the increase, your scores are still bound to drop 5 points or more.     And if you get turned do...more

Naturally, it's all relative. My wife and I can live comfortably on 33 grand a year and pay all the bills and still save 40% of my pretax income. From our savings, we fund a Roth IRA, our taxable investment accounts, and even manage to bank 13% outright for rainy days. Direct deposit makes self discipline relatively ea...more