You may think credit cards are incredible...

I say don't give your credit cards too much credit. The more credit you have the higher a liability you have, meaning if you're credit limit is extremely high (due to good credit) you may have banks seeing you as a bigger liability, which is not good when it comes to getting a loan. My credit card company MBNA had been automatically increasing my limit, because of my timely payments and good history. I did not need a higher limit, so I asked them to reduce it. Now I got rid of my account altogether and joined with my better half.