I wish i had the same tenacity w my credit when i was your age! Now here i am trying to rectify my misfortunes and mistakes like many of us here at some point. Not too many of your peers care about improving their credit worthiness...kudos to you for getting to where you are, even with limited income! Just imagine what you can accomplish when you do finish w school and earn a much higher income. Superb! Your doing very well 
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Good for you!! AMEX might feel you have enough credit relative to your income but it still doesn't hurt to plead your case. Keep up the good work tho....
Starting Score: TU 595 EX 600 EQ 585
Sorry for your denial but thanks for shedding some hope for me ... i only make 26000 a year and have 10000 CL.. so hopefully when it is my 61st day i will be able to get an increase..
@CreditScholar wrote:
@R3DLINE wrote:Bragging rights.... and I want to close my Crapitol one cards.... which is 3k of my credit....
Are you serious? You only make 20k a year, already have 24k in credit, a brand new car loan (which they will deduct from your stated income as it affects your ability to charge/repay), and you're surprised you got denied a 3x CLI?
You should worry about increasing your income before bragging. 20k is nothing to brag about.
Completely uncalled for. You were 21 at one point so get off your high horse. Young people who have excellent credit for their age and high limits in relation to limited income is something to be very proud of. Because there are still people who are twice the age, making the same money, yet have nothing to brag about. So please, keep the snotty comments to yourself.
........24000...............10000.....................6000................7000................500..................5000................18000...............10000
Also, If you were to apply for a new revolver, I wouldn't be surprised if they gave you a good limit, higher than the rest! I had two amex revolvers both at $2000 before may. I had tried to do 3x cli on both but got denied both, (reason being max credit allowed). However, in may i apped for the BCP and was approved for $5000. So, although the computer may not grant you the CLI, I think a manual review could give you hope. As long as you have low util, good scores, etc.
Good for you on what you've accomplished. I'm in the same boat. 23, didn't have the luxury of a cosigner. So i've built my credit portfolio and got my first car all on my own. Lucky i've found this website when I was 19...keep doing what you're doing. ONly difference...I didn't finish school 
Of course I didn't have the help from my parents either. At one point, I was working full time, working part time, AND going to school full time....but of course that didn't work out...lol. Currently going to be going back this fall...I really want to get my degree asap. So good for you for finishing!
