Credit scores are dropping rapidly.

[Johnny2X2X]

9. Home Depot and Lowe's cards

I use those cards when I purchase something from those stores because the return and warranties are easier. Pay it off as soon as it posts a few days later.

I've never carried a monthly balance on either. So I was like, hmm, wonder what happens if I ask for a credit line increase. Sure enough, a card that I've never carried a balance on for longer than 5 days increased my limit from $10K to $25K. And the other one is $15K. So I've got $40K in credit at stores I'll never go into debt to. I don't need the credit, and I will never use it.

Had some other 0% interest card for some couch I bought, did the same thing, now I have $15K in credit at a furniture store I will never use. But I guess it helps my credit rating...which I don't really need because I'm locked into a sub 3% mortgage and I pay cash for cars.

Back when I was scraping by, I practically had to sell a kidney to get a $1000 limit.