Credit Cards

[youngman1234]

Hello, 

So here it is prior to July 2010 I had no credit: NOTHING WHAT SO EVER... 

These are the CLI's I was approved for: 

1. Barclays Apple: 1300... auto cli to 2000 opened nov 2011

2. Bloomingdales: 900... cli to 2000 ( dont know yet if they did a HP) opened nov 2010

3. BOA Acc Amex: 1500....cli to 5000 opened nov 2011

4. BOA Cash rewards: 1500.... cli to 5000 opened nov 2011           (ALL BOA INCREASES WERE 1 HP COMBINED)

5. BOA Plat: first secured back in june 2010.... went from 3k, to 5k, now 7500 !!! 

6. Discover More: 1000 auto cli to 1250... went to 6750 (HP) opened nov 2011

7. CHASE INK CASH: 5000.... cli to 12000 opened in April 2012 ( they used a soft they had) = will ask for another CLI to 25k in OCt. 

Added a new card: 

8. Chase INK Bold: 15k spending limit  ( Banker told me that they want to test me out at 15k, and will raise it to 40k if I want in Oct. they told me to just call in)

Remaining Cards: 

9. Chase slate: 3k ( asked for a CLI to 15k I beleive I was approved then denied because the exec office told me to try back after I had the card for a year. And that I have alot of exposure already with my business credit cards through them).... opened in nov 2011

10. Lord & Taylor: 4400 opened nov 2010

11. Macys:1000 opened nov 2010

12. Alliant: 2500 opened april 2012 ( will ask for a CLI at 6 months to 15k) 

13. Wells Fargo Plat: 1500... CLi denied ( opened in nov 2010)  Closing this one in Jan 2013

14. PNC Bank flex: 1500... cli denied ( opened in nov 2010).. closing this one in Jan 2013

15. Care Credit: 1000 opened nov 2010 will keep it open unless they close it I dont care. 

16. Penfed: 9000 opened in nov 2011 ( no offers yet they did soft me on 6/12) This month used 8900 of the limit and they still approved another 700 charge so went over the limit.. Im waiting til next quarter if nothing I will ask for a CLI in October !!!

17. Amex gold: 3k hard limit placed back in Feb 2012

18. Capital one: 750 ( plan to close in Jan 2013)

19. Affinity Credit Union: 1000... CLi denied ( plan to close in Jan 2013)

Thats my story.... lol 

I dont think it matters but I am 22 years old... 

[youngman1234]

I'm thinking of going to my local branch and try to recon the personal CLI and see what they say ???

[Meltdownblitz]

Wow, congrats! What is your income in order to get CLI's that high at that age with such little credit history? I just turned 23 and don't have that big of limits yet and pretty good income for my age and about 3 years aaoa.

[score_building]

Sounds like an overdeveloped roster of cc until able to show a proven track record of managing them effectively/responsibly consider slowing down turbo. Remember credit building at its heart is a marathon not a race but don't have to take my word for it.

[CruzImperial]

Those are good cards, Congrats!! Btw, what is your util?

[youngman1234]

Income is close to six figures....

[youngman1234]

Yes you right, I'm slowing down now.. Honestly goal for the next year is build the limits to higher and get rid of some cards.

[youngman1234]

Currently utility is 0%... overall is 6% that is with my balance from the Amex gold factored in. I try to pay off all my cards before the statements cuts so they always report a 0 balance.

[learnin113]

Cant wait to hear how that Alliant CLI goes.  Please report back.

[youngman1234]

I will keep everyone informed...