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The Little Book of Common Sense Investing by John Bogle

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Interested in the 33% figure quoted here. Is this a generally accepted rule of thumb or guideline as to how much credit card borrowing capacity someone has? Been curious about how much I can apply for.

I generally find I can fall asleep OK, but I'll only stay asleep for 45-90 minutes, then feel energetic for probably an hour, then back to sleep for 45-90 minutes and the cycle continues. How does everyone else find it?

Thanks everyone for the informative responses so far. How does the "The Qantas American Express Discovery Card" stack up in this segment?

As per the topic heading, I'm considering changing one of my cards to a no fee option. Does anyone have any recommendations? Alternatively, I might consider something with a low fee if the value proposition was good but the aim is to minimise my annual fees. Thanks!