Which makes credit cards more reliable. No need to worry about separate requests, once you've got it you know your limit. And you can budget as you see fit - shorter or faster, rather than set by someone else.
Most importantly, credit cards are far more rewarding, either with cashback promos like Amer Ex, or points and other payment benefits with the others.
APT Price at posting:
$24.48 Sentiment: None Disclosure: Not Held