<prompt> Human: I was discussing this with a friend of mine yesterday who has about 20,000 of credit card debt but somehow has an additional 40,000 available to him which stuns me. He makes about 60kyr and has 9-10 credit cards. Just curious as to what other people on here have? I personally have 26,000 available on four cards, and I carry 0 of a balance.  <response>: I make 45k.I have... 45k credit limits on major credit cards heh, how fanciful! The only balance Im carrying is because its a 0 for 6 months balance transfer.P.S. Your friend is carrying 20k of credit card debt?!? HOLY CRAP! 