So I just saw the thread where someone might be filing for bankruptcy, and they have 10k+ on one credit card, and multiple other cards.

I requested a limit change with tangerine the other day (from 5k) and was automatically denied.

I have no debt, I always pay in full, I make 6 figures and my credit score is 730ish

How are these people, who are so indebted, able to get credit cards with tens of thousands of limits, and I’m over here with a 5k card? Am I missing something? How does this even work?

EDIT: Can I overpay a 5k limit cc by 15k, thus temporarily turning it into a 20k cc? Would I earn cash back on 20k if I maxed this fake limit?