Over the $200k mark!

[gdale6]

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@Anonymous wrote:

I started my rebuild on March 13, 2014, when I applied for my first credit card in about ten years.  I had a $470 CapOne card.  Today I applied with USAA for a CLI on my Amex I received last August.  After a few minutes I received a CLI increase to $15,000 from $5000.  In any event, I wanted to break $200,000 before my one year anniversary of my rebuild.  Really happy about this!!! 

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Fantastic, grats to all your success

[Anonymous]

I'd be happy to break $20K. 

[bobbay]

Congrats!   Nice work B-rad

[jre]

Next post OP reports his cards are shut down and he wonders why. Seriously, not a good post and I think wrong advice for those rebuilding. To apply for as much credit on such a short period of time, in almost all other circumstances, is not wise on many levels. Glad for you OP, but  not sure this is the right place to gloat.

[Anonymous]

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@jre wrote:

Next post OP reports his cards are shut down and he wonders why. Seriously, not a good post and I think wrong advice for those rebuilding. To apply for as much credit on such a short period of time, in almost all other circumstances, is not wise on many levels. Glad for you OP, but  not sure this is the right place to gloat.

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I guess I missed the part where the OP was advising anybody to do the same thing.

[Anonymous]

My situation is weird too.  I got a home improvement loan last fall that changed my mix of credit on the Experian scoring model which made a huge weird difference with Chase and Comenity; thus the ability to even get the kind of credit I did in the last six months.  I also charged A LOT with Chase and paid it all off.  Not everyone can do that.  I wouldn't recommend anyone do what I did unless they had my same circumstances, which I doubt most people do.  I also just got a new car financed by BMW Financial and the only things that's left is my final financing on the house but the bank has committed to the deal once the construction is finished next month.  The use the Experian score as well that I can view on Credit Sesame, and I'm good there. I doubt my cards are going to get shut down because I am not going to charge them up; I have enough credit that I could use about $20 or $30k with no worries I think, but no more than that.

[MissMoni223]

Way to go on your road to credit recovery!!!

[Focused10]

Congratulations on your journey. It does give others hope that it can be done.

In defense of the seemingly negative poster, I have to agree that you do have A LOT of small limits, which in my opinion I would rather have higher limits on some great cards than a ton of small, insignificant ones. Nevertheless, to each his own. I do agree it's time to garden because that's a lot of credit and inquiries.

[Anonymous]

The ones with small limits are cards I use either for gas rewards as stations I use or are merchants I use and I get a discount for having that card - Men's Wearhouse, Brooks Brothers and Dillard's.  I have only applied for store cards where I shop.  Just a thing.  I looked at closing some; problem is I use them.

[signaturecardmember]

congratulations!