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2 in 5 U.S. credit card holders have topped out their spending limit, report finds
(www.cbsnews.com)
this post was submitted on 17 Oct 2024
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My credit cards I've had in Germany/Austria were all basically glorified debit-cards which had their own bank account attached to them. Technically I had a credit limit of a couple thousand, but I never went into the negative.
The only difference (for me at least) was that I could use them to rent a car, which is nice.