Read the post a the moment you put it out there but completely forgot to comment. Your posts are so good that I can't help myself but leave a comment :-)

Personally I never had to face the problem of credit limit on my card before. Frankly I never really ever owned a credit card before. Perhaps it was the influence of my dad, because he always disliked the idea of being in interest based debt. That energy has channeled into me and I have never been able to borrow money from bank in any form.

On the other hand I think I also understand why people think they might need to borrow from banks because most people don't have the support of family and friends who are willing to help in a financial crises. In a lot of other cases sometimes even the the loved ones don't have the means to help us. Whatever the case I do not judge in these matters because financial conditions can vary and I might have no idea what the other guy is going through.