After I climbed out of credit card debt, I swore to never get sucked in again unless an absolute emergency happened and I was forced to. The interest charges are just too obscene to deal with, so I only use my cards when I have money to pay off the balance.

Sometimes it's easier said than done... especially now-a-days... but the cost to get out of debt is so high that I'll do just about anything to avoid it. Better to survive on peanut butter and ramen for a month now so I don't have to survive on peanut butter and ramen for six months later. And it all adds up.

For this reason, I was mortified when Apple wrote to me with the "good news" that my credit limit on Apple Card has been increased. TO FOURTEEN THOUSAND DOLLARS!

Just how much Apple crap do they think I will be buying? Am I now supposed to call them up and say Please ship me 7,000 iMacs! or what?

The unreality of it all boggles my mind.