120k in credit, in 6 months now what?

[kroberts67]

My answer?  Gloat.  Proudly.    

[youngandcreditwrthy]

Congrats!! Lol my focus in the coming year or so will also to be increase the quality of my credit lines! As in, get higher limits with prime cards and back off of the GECRB lines!
Good luck!

[Anonymous]

thank you kroberts67

[Anonymous]

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@youngandcreditwrthy wrote:
Congrats!! Lol my focus in the coming year or so will also to be increase the quality of my credit lines! As in, get higher limits with prime cards and back off of the GECRB lines!
Good luck!

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Thanks young.Thats exatcly what i did.cli is the key out there

[Anonymous]

"You are not the contents of your wallet" - Tyler Durden

Just joking man. Congrats on the high limits. I am jealous.

[Anonymous]

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@youngandcreditwrthy wrote:
Congrats!! Lol my focus in the coming year or so will also to be increase the quality of my credit lines! As in, get higher limits with prime cards and back off of the GECRB lines!
Good luck!

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Thanks young.Thats exatcly what i think helpd the situation/CLI

[android01]

It still amazes me that so many people continue to  consider or try and get credit from those they have defaulted on in the past.  My advice is to consider yourself as lucky with what you have, and leave well enough alone.  

[myjourney]

Congrats that's quite an accomplishment

[Sevenfeet]

It's a nice accomplishment and I can relate. I've spent the last two months getting my limits up to $123k from a start of $25k. I realize now that I was under utilizing my credit situation.

As for what you do now? You never mentioned your interest rates. Lots of people pay their cards in full every month and don't care but your interest rate is also the measure of how a financial institution sees you, as well as the limit they give you. I'd work on that. Happy gardening.

[gen-specific]

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@Sevenfeet wrote:
It's a nice accomplishment and I can relate. I've spent the last two months getting my limits up to $123k from a start of $25k. I realize now that I was under utilizing my credit situation.

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Me too. I can relate to this as well. 

I thought I was "doing something" by having around $36k of available credit. I had just been doing very incrimental credit limit increase requests. I had no idea that I should have been asking for THREE TIMES whatever my credit limit was. $36k to $100k now and I'm just going to chill with that.

Maybe do Pen Fed line 6 months from now