I've got a pretty good credit rating.
Unlike in the US, here in the UK paying off your credit card balance every month improves your credit score by leaps and bounds.
I've got 3 credit cards. I started off with one when I was a full-time student, which had a £500 limit, I spent it up to the limit within a couple of months and then paid it off as soon as the bill came in. Within 2 weeks I had got a letter informing me that the RBS had increased my credit limit to £1500!
3 years down the line I've had 5 more such letters, and my limit on my original Visa card is now £15,000 though I hardly ever use it now, and I've since got another card through Ryanair with a credit limit of £8,000 and a Mastercard for work with another £10,000 limit.
I still get letters every other day from companies such as Capital One and MBNA telling me that I'm pre-approved for a £15,000 limit!
I've often thought about taking them up on their offer, and with my overdraft limit of £2,500 I've often thought after a bad day at work about maxing out my new card, original cards and overdraft and heading off to the carribean with 15 months pre-tax salary in my back pocket and never coming back!
Unfortunately the thought that eventually they might catch up with me and make me give it back stops me from doing it.
Statistically, people who have had the most birthdays tend to live the longest.