You needed to buy more shares, but unable to do so because you have reached your trade limit. Your trade limit is unrealistically low as your broker do not know you well enough yet to increase the limit. You are tired of going back and forth to the bank to cash cheques after trades. You traded stocks without screening and sometimes ended up with illiquid stocks – easy to buy but hard to sell ! CB account will help boost your buying power and enable you to buy more stocks beyond your existing trade limit. CB account gives you more convenience and flexible terms than borrowing from a bank. CB account will lighten your burden to make contacts with the bank on securities settlements and payment of cheque issuing charges, and reduce risks of possible defaults on securities settlements. Loan interest in CB account is only charged when the cash collateral has been used up and the credit line is drawn. CB account will reflect the whole picture of your current portfolio in which the value of securities will be updated daily at the prevailing market prices. You will be kept abreast of your investment in terms of (i) assets including cash balance and the value of securities holdings or collateral, (ii) liabilities or loans, and (iii) equity [assets – liabilities]. This information will help you evaluate your investment more accurately and properly.