Ha! I carry no debt at present. I was sure that my credit rating would suffer as a result -- who wants to lend money to somebody who organizes her life so as not to pay much interest? -- but I guess not.

Of course, I have two credit cards, the one I got in college (limit still what it was when I was IN college) and the Platinum Whojiggy Special one I got a year after college (limit high enough that I could charge a car. Or two cars, if I picked cheap cars.). I got a store charge card a couple weeks ago, just to be able to get a discount on a sweater, and it was the first new card I'd gotten in a long, looong time.

And if you have a credit card or credit line, they don't look at your actual debt, they assume you will have debtload that's a certain percentage of your credit limit.

When I applied, just the opposite was true -- they did look at my actual debt load, and also at the ratio of my debt to the total credit available to me; having more credit and not running up a higher bill would've improved that ratio and therefore been even better for me.

::makes plans to invent "Three Stooges" robots::

makes plan to invent Robert Smith robot. THAT'LL show people a suffering machine.

Just in general, P-C.

I think roti tastes better alone and naan goes better with sauce.

I love naan, myself.

Naan.

Speaking of cats, there's a rare event happening in my house this evening. My cats are sitting side by side, peacefully:

[link]

They look like they're plotting to overthrow one another.

I am very sad because in Jamaica roti means curried goat or chicken wrapped in roti. Like an East Indian burrito.

But I have none, and have had none for probably 20 years now.

they assume you will have debtload that's a certain percentage of your credit limit. So the higher your limit, the higher the amount of debt they assume you'll carry.

I thought it was the way amych describes.

I have pretty large credit limits (for no good reason at all), and don't carry any debt from one month to the next. My credit rating is decent, though I really should cancel my Pier 1 and Victoria's Secret cards. Those have been accumulating dust for about a decade now.