When your bank asked to bump up the credit limit, like a horny teenager, you bent over and said YASSS! How are you going to pay that off now? Are you going to ask your mommy for money? Is your daddy going to come and rescue you? Nah ah! You, pumpkin, are an ADULT. Adults don't go crying to mommy and daddy. They might occasionally take a few bucks from their sister, stay in her apartment without paying rent, and eat her food, but parents? NO WAY!