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listen folks the simple truth is youre working with the banks theyre making money and youre making money its just that when you make money you get a raise that is voluntary thats based off of your credit score this is what i mean when you walk in and you get that credit card for five thousand dollars if youre good and youre using utilizing the velocity banking method well youll get a raise of five thousand dollars you could get a raise of six thousand dollars you can raise of ten thousand dollars what do i mean you could become a victim of the credit limit increase and what can you do with another ten thousand dollars twenty thousand dollar credit card twenty thousand dollar line of credit yes but cj said twenty one percent have you ever multiplied ten percent by twenty one percent i dare you to multiply