Loans are like drugs. You start with the small ones(credit limit) and end up with a full house mortgage. I just signed mine. Woot, 30 years of repayment. It's gonna be fucking long. I hope my lotto wins something one day. 
Ἢ τὰν ἢ ἐπὶ τᾶς - Μολὼν λαβέ
Today is a gift. That's why it's called the present.