what are you more worried about?

The Republicans are accused of being irresponsible for refusing to raise the debt ceiling. But the only meaning of the debt ceiling is the signal it sends to our creditors about our intention and ability to repay them. What is more worrisome to a creditor, your willingness to apply for another credit card or your willingness to reign in your spending? Would a bank be relieved if you walked into a credit negotiation with a handful of newly filled out credit card applications? Or would they rather see you cut the credit cards up and see that you had traded in your expensive car that you were still making payments on for a beater you had paid cash for? Who is really being responsible? Who is really the one that is risking the full faith and credit of the US? The people that want us to send in the application for a new home equity loan or the people that want us to stop eating out and shut off the cable?