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@jsickz32 wrote:
@Dustink wrote:
@jsickz32 wrote:congrats. my walmart card sits at 150cl lol
Lmao
You win for lowest limit
yay! lmao. i only got this card for the free TU score. never used it and most likely wont either.
That's what I figured. I don't even think I am near a Walmart, but the TU score would be nice. I can't remember the last time I went to a Walmart. Just what I want, useless junk made to poor standards overseas. That kinda sounds like the crap1 credit motto.
@Dustink wrote:
@jsickz32 wrote:
@Dustink wrote:
@jsickz32 wrote:congrats. my walmart card sits at 150cl lol
Lmao
You win for lowest limit
yay! lmao. i only got this card for the free TU score. never used it and most likely wont either.
That's what I figured. I don't even think I am near a Walmart, but the TU score would be nice. I can't remember the last time I went to a Walmart. Just what I want, useless junk made to poor standards overseas. That kinda sounds like the crap1 credit motto.
there are 2 within 10 miles of me. i been to one once and it was in a ghetto city and it wasnt a good experience if you know what i mean lol
@youngandcreditwrthy wrote:
So I called uw to see if I could get my Walmart Discover cli'ed to $10k from the current cl of $5k, and
About two minutes later... BAM!!!!
Approved!!!!
Amazing!!!!
My second $10k+ card this year!!!
Lol my balance is only like $75 hahahha!!!
I can't believe it. My credit journey has been soooo long and hard!!!! That extra $5k is gonna reduce my util far below the 10% I want! Yes!!!!
:-)
Congratulations to you! Awesome cli. keep up the gr8 work
what is your actual income if you don't mind me asking? you might want to be careful, you're getting to the point where you could have over 100k in just revolving debt and student loans. without income to sustain that much credit you could have issues when buying a home. Mortgage lenders will look at amount of credit you have available to you when deciding how much of a house you can buy... if the mortgage amount is getting close to the max for your income and you have huge credit lines they might ask you to close them before they will underwrite you
btw sorry if that sounded negative, just didn't want you to get in over your head with available credit!! btw how long have your had your walmart account open?
@ryanbush wrote:btw sorry if that sounded negative, just didn't want you to get in over your head with available credit!! btw how long have your had your walmart account open?
I'm sure with the cards he's got and the fact he's on this boards he should know the right way to manage credit, just cause you have high credit limits doesn't mean you'll go nuts. I prefer to have maximum credit limits I can get regardless of my income because incase **bleep** happens.
If I spent a bunch of money over the holidays, with a reasonable limit my FICO scores are going to drop A LOT if they get reported mid month etc which a lot of cards do. So my Fico score can look like a roller coaster. I prefer to have my Fico on a straighter calmer path so incase **bleep** happens my Fico will be right where it should be.
Just cause you have the cards don't mean you have to use them, After I get my house which i'm in the market for, and after 6 months I'll apply for US Cash+ and cancel my secured cards. I only want 5 cards max.
Freedom + Sapphire + US Bank Cash+ and Amex BCP + Navy Federal Platinum
I dont' see the point in anymore but maybe a Amex platinum if I start traveling more