Mine is an emergancy card only as well as for my MMO addictions. But I dont overspend on it easily. At the moment Im about R1000 in debt for emergency car repairs that I didnt budget for but then again it will be clear in a few months. I tend to put x amount onto the card monthly and that is my spending budget on it. Altho its a bigger number till the other amount is paid off. Strangely enough ABSA hasnt contacted me in 3 years to increase my limit. And I actually will need to for incase. Im just happy that Medicross accepts my Edgars card for payment. I prefer paying the doctor's bill off in 6months. As for clothing accounts I have a few (aka most places that offers a card :P) But I only buy from the clothing places if my cards have been paid off. Otherwise I leave them at home.