Credit Cards

[kobe2012]

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youngandcreditwrthy wrote:
I really think they do! When I got my Travelocity Amex, the Credit Analyst mentioned my highest limit card at the time, a Lowe's card...
Then when I got my Chase Freedom on recon, the Credit Analyst essentially mentioned the same thing...

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oh, that's good news for me as my GE cards are slowly but surely increasing..... Hopefully they will be in 3 digits by the time I'm ready to apply for a prime card

[Anf_dude]

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Razeus wrote:

From my latest app spree, I was successful and finally got myself big boy limits.  

I've also had a hard time getting decent limits due to past credit issues, but I've been working to resolve that issue, and the hard work has paid off.  Hopefully, I'll continue to get big boy limits in 6 months when I go for the Citi Diamond Preferred and CSP since I'll have "experience" with $5k+ limits.  In 60 days, hopefully AMEX will bump my BCE to $3k (and in 6 months, $9k, in a year, $15k+).

I've had 3 CapOne's for $300 and 2 $500's, which I was able to merge as one account, and a Barclay's card for $500, which I recently CLI'd to $850.  They've served their purpose and got me through rough times, but once I get acquainted with my new cards, they'll be put to pasture.  Those days are behind me.  I don't want any signs of them lingering around remind me of my past.

Finally, big boy limits!

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Howd You Go About Merging Your 3 Capital One Accounts.?

[jsickz32]

Bofa first bank to get me to 5k cl and NFCU took me to 8k. NFCU=BEST!

[Razeus]

I remember calling them up and saying I have 3 of your capone accounts and it makes it hard to keep track.  Can you combine my accounts into one card for me?  They said no problem.  I don't remember if they were all the same type of card, but I remember them being low limit hassle cards.

[etstrong98]

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Anf_dude wrote:

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Razeus wrote:

From my latest app spree, I was successful and finally got myself big boy limits.  

I've also had a hard time getting decent limits due to past credit issues, but I've been working to resolve that issue, and the hard work has paid off.  Hopefully, I'll continue to get big boy limits in 6 months when I go for the Citi Diamond Preferred and CSP since I'll have "experience" with $5k+ limits.  In 60 days, hopefully AMEX will bump my BCE to $3k (and in 6 months, $9k, in a year, $15k+).

I've had 3 CapOne's for $300 and 2 $500's, which I was able to merge as one account, and a Barclay's card for $500, which I recently CLI'd to $850.  They've served their purpose and got me through rough times, but once I get acquainted with my new cards, they'll be put to pasture.  Those days are behind me.  I don't want any signs of them lingering around remind me of my past.

Finally, big boy limits!

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Howd You Go About Merging Your 3 Capital One Accounts.?

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Can you merge a secured and non secured card into 1?

[RockinRay]

This is really quite simple:

1. Always pay your bills on time.

2. Never over-spend.

3. Make a decent living at your job.

4. Be patient for your current cards to grow.

5. Do not apply for anything that you do not need.

This has always worked for me! 

[Razeus]

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RockinRay wrote:

This is really quite simple:

1. Always pay your bills on time.

2. Never over-spend.

3. Make a decent living at your job.

4. Be patient for your current cards to grow.

5. Do not apply for anything that you do not need.

This has always worked for me! 

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Wise words.

I really need to work on #4.  I've just been so psyched lately with all the positive things happening for me the last few weeks.  But I no I need to chill now and go back to the mentality of not apping because "I always get denied".  But we'll see in a year. 

[CS800]

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RockinRay wrote:

This is really quite simple:

1. Always pay your bills on time.

2. Never over-spend.

3. Make a decent living at your job.

4. Be patient for your current cards to grow.

5. Do not apply for anything that you do not need.

This has always worked for me! 

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Couldn't have said it any better

[bribro]

I got my Citi Dvidend card back in 2005 when I was still in college with an extremely low limit obviously. Auto-CLIs brought me up to $8k or so and I have put in occasional manual requests to reach my current $20k CL. Pay in time, use the card as much as you can, and keep on top of your CLIs.

[Razeus]

Sweet jesus.  Nice portfolio of cards and CL's there.

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bribro wrote:

I got my Citi Dvidend card back in 2005 when I was still in college with an extremely low limit obviously. Auto-CLIs brought me up to $8k or so and I have put in occasional manual requests to reach my current $20k CL. Pay in time, use the card as much as you can, and keep on top of your CLIs.

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