This is very interesting, but does having a high credit rating help you in any material way? Or to put it in other words, does it prevent problems down the road? What problems? How much money does your $25,000 credit limit save you each month, and how much time do you spend managing it?

For my own part, it feels like ass-kissing to prove to the powers that be that I am able to manage responsibilities and debt. It is not something I want to do unless it provides a considerable benefit.