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$100K Credit Club

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knhorn
Contributor

$100K Credit Club

I've just effectively hit $100,350 in revolving credit amongst my 14 cards. I lurk on this forum more than I post, but I want to thank everyone who contributes here. This forum contains a wealth of information, and without it I wouldn't have taken my credit to where it is today. It's almost addicting. I started at age 19 with a clean slate, not even considered for a measly $500 credit card to over $100K in less than four years. I wish I would have discovered myFICO sooner than I did. Now that I've reached the goal I set out to conquer, it's time to garden. Thanks again myFICO.


Message 1 of 5
4 REPLIES 4
chalupaman
Super Contributor

Re: $100K Credit Club

I'm very happy for you and your success! It's amazing how people can go from having a small amount of total available credit to a large amount through persistence and learning from these very forums. Godspeed. I love your set of cards too.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 2 of 5
Anonymous
Not applicable

Re: $100K Credit Club

Nice.. Congrats.

Message 3 of 5
jamesdwi
Valued Contributor

Re: $100K Credit Club

Congrats, what happens next is even scarier if you have semi-decent income, without much work at all, you will probably double your total CL in less than 2 years, possibly one with some gardening then an AP spree. 

 

 

Cards: Chase Southwest 20k & CSR 17k & CSP 10k & FNBO 30k Oregon Duck 5k, & AMEX BCP 32.5k & Amex Magnet 15k&amg; Hilton Surpass 7.5k & Delta Gold 12k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 20k, Paypal Extras MC 10k, Paypal Credit 7.25k CapOne Venture 15k, QS 2.5k, QS 750, Amazon 10k, Walmart 10k, Citi Simplicity 18k, Discover IT 23k and a nice stack of store cards.
Landmarkcu Personal Loan 10k
Message 4 of 5
knhorn
Contributor

Re: $100K Credit Club


@chalupaman wrote:

I'm very happy for you and your success! It's amazing how people can go from having a small amount of total available credit to a large amount through persistence and learning from these very forums. Godspeed. I love your set of cards too.


Thanks!

 


@Anonymous wrote:

Nice.. Congrats.


Thank you.

 

 


@jamesdwi wrote:

Congrats, what happens next is even scarier if you have semi-decent income, without much work at all, you will probably double your total CL in less than 2 years, possibly one with some gardening then an AP spree. 

 

 


 Thank you! If I had Chase cards, I'd probably be at about that lol.


Message 5 of 5
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