Thanks, but no thanks...

I received a letter from PNC, the bank that owns my recently-paid-off credit card balance. The letter stated: "We are pleased to increase your credit limit to $12,000." Hmmm, could it be they noticed I haven't had any new transactions in months? That I have completely paid off the balance and plan on keeping it that way? That they will never ever again be able to reap the financial rewards of charging me interest?

You can't full me PNC Visa, I'm on to you. Thanks, but no thanks for the shady attempt to steer me once again down the debt path. I prefer the road less traveled.