[...] a balance and incur ridiculous interest charges. Plus, you might come close to maxing out your credit card limit, which could negatively affect your credit score. An emergency fund helps you avoid this situation [...]

i personally feel my limit is high enough and just because they want me to spend more i don’t see a need to do so.

find a limit that works for you this way you can buy what you need but you don’t get out of control.

I meant that it’s a script to increase your credit card limit and lower your interest rate. We learned it at a Rich Dad Poor Dad seminar.

We have high limits on our card too. It helps our credit score and it serves as an additional emergency tool (it would have to be an extreme emergency).

Here’s a script to increase your credit score and lower you interest rate:
http://www.choose-financial-freedom.com/advantages-of-credit-cards.html