I, FlyVet, a dumbass redneck who bitterly clings to his guns and religion, can make it real simple for the ivy league geniuses.
I can qualify for a half-dozen Titanium Charge Cards, max them all out, and live like the millionaire next door...for a time.
But sooner or later, the bills are due. And then it's not so fun.
I receive so many credit card offers that I collect them in a box and keep my home warm all winter. Free fuel...care of the postman.