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A comment on Why Don't People Manage Debt Better?. Parent comment

Re:Why Don't People Manage Debt Better? by anexprogrammer on Friday February 19, 2016 @10:39PM (#11138676)
But what's the point? If, as the commenter asks, you're looking to cover yourself in the event of wanting a mortgage, perhaps car loan too, you only need good credit.

I do know the UK doesn't use credit score as the US does, so it may operate on a different premise where gaming the score matters.

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Re:Why Don't People Manage Debt Better? by smhinsey on Friday February 19, 2016 @11:17PM (#11138797)
Both the ratio of your amount of available credit vs. used credit and the total amount of credit that you have available feed into your FICO score. From the lender's perspective, someone with a lot of unused credit is a better candidate than someone without. One of my cards recently announced a change that caused me to start looking around and its replacement had a substantially higher limit which unexpectedly gave a significant boost to my score.
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