A loan officer once told me that robbing a bank is stupid when you can do it legally.
There's no law preventing anyone of us with superb credit going in and maxing out $100,000 lines of credit and just taking the money and not paying it back.
Sure, they can shoot your credit to heck and make sure you never get a credit card again. . .but what the hey? You just invest that money and buy Visa Gift cards for those orders over the internet until it comes off your history.
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