I had just graduated from college and moved back to my hometown to start my first real-world job. I was a grown-up. I knew everything (I had a diploma to prove it). And I was going to start my adult life the best way possible.
The credit card offer arrived at my new home address. It was June 4, 2007. The offers had not stopped once I graduated, and I continued to receive 2 to 3 per week. This one was different though. Not only was I pre-approved (how cool!), but they were offering me a credit limit 5 times larger than any other credit card offer. They were offering me a credit limit of $25,000. $25,000!!! Who offers a 22 year-old with a yearly salary of $45,000 a credit limit of $25,000?! But hey, who was I to turn down that kind of money? Now that I was no longer a starving college student, I had a lifestyle in mind that I wanted to become accustomed to, and maybe this credit card was the key to obtaining that lifestyle. And besides, it's not like I was going to use up all of the $25,000 credit line anyway...
What is the largest credit line offer you have received? Did you accept it? Do you still have that credit card?
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