"We are happy to extend to you a special credit line offer of up to x time of your monthly salary for a low low rate of y% per annun. With the money.... blah blah".
"No, thanks"!!!! I replied.

I have always rejected calls and offers from credit company to give me a credit line. Why would I need a credit line when I am living within my means?

Well, it seems like that I will need to give seriously thought about this again after reading this.