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I agree, stargazer. I mean, sometimes you have a crisis. Maybe a job loss, or an accident causing some large bills, or a flood or hurricane or something.
The reason you should have large limits is for emergencies. If you can keep up the payments, then you haven't broken your agreement. You may know that the situation is temporary and in a few months or a year you'll have the money to pay it all off. As long as you're managing your payments, so what.
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The answer is 42!!
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