Curious, what about financial institutions that allow someone to receive credit when their "normal" range should be maxed out? For example, if someone has a monthly income of $4k; has a mortgage payment of $725, car loan at $400, credit card #1 payment is $275, student loans $300 and a personal loan at $250, would it seem reasonable that three other credit card companies would extend lines of credit to this person @ $7500, $5000 and $5000? Or could this potentially fall under a predatory lender. They lend the money knowing the consumer is obviously at a minimum of 50% of their pay without taking "normal" cost of living expenses.....just wondering what your professional opinion on this is. Thanks.