re: Get your old Dow 10000 hat out of the closet

I hear ya, on one hand it could be good, on the other hand it could be quite negative to someone in need. I have yet to experience the reduction in available credit lines on existing CC accounts I have, but it could still happen. Consumers will be paying more realistic rates to access credit in the future, it is inevitable especially if many of the securitization facilities of the past do not reappear.