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How much available credit after 2 years of credit building?

Established Member

How much available credit after 2 years of credit building?

I was curious as to what others available credit is/was

 after 2 years of building credit?

 

My goal is to get to 60k in available credit by end of 2013 ?


Its now about a year since i started and i am at 14K credit available

 

I always make sure to PIF and keep my utilz under 5%.

 

I just added two AU's with over 6yr history so that should help me

on my next apps.

 

Message 1 of 16
15 REPLIES
Established Contributor

Re: How much available credit after 2 years of credit building?

That's difficult to gauge since lots of people have npsl cards. As long as you have enough to meet your needs you're all good pretty much.

“The real measure of your wealth is how much you’d be worth if you lost all your money.” ~Unknown
Citi Prestige World Elite Mastercard ($35,000.00), Merrill+ Visa Signature ($25,000.00), Amex BCP ($29,700.00), Amex Green (NPSL), Capital One Quicksilver World Mastercard ($10,000.00), Chase Ink Business Bold (NPSL)
TU-778 (12/03/2014))
EX (Plus) - 777 (10/21/2013)
EQ - 735 (April 2013)
Message 2 of 16

Re: How much available credit after 2 years of credit building?

I have more than $70, 000 in total credit limt after 3 years of building credit. This limit does not inlcude my NPSL charge card from Amex.

Message 3 of 16
Established Contributor

Re: How much available credit after 2 years of credit building?

I have $2100 in available credit with 5½ months of history. I'm gonna wait til the 1 year mark to get into the 5 digits! -fingers itching and body starts shaking- lol


DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Message 4 of 16
Valued Contributor

Re: How much available credit after 2 years of credit building?

I have $3100 in available credit after 3 1/2 years of rebuilding through revolving accounts. But i only had one credit card for the first 3 years. I will have over $4000 (hopefully $5000) total by March!
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Message 5 of 16
Established Contributor

Re: How much available credit after 2 years of credit building?


MovingForward_2012 wrote:
I have $3100 in available credit after 3 1/2 years of rebuilding through revolving accounts. But i only had one credit card for the first 3 years. I will have over $4000 (hopefully $5000) total by March!

My new years resolution is to beat MovingForward's available credit by the end of the year! lol


DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Message 6 of 16
Valued Contributor

Re: How much available credit after 2 years of credit building?

Haha! I didn't include that I was going to apply for a Discover or AMEX in Sept. the race is on! Smiley Wink
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Message 7 of 16
Contributor

Re: How much available credit after 2 years of credit building?

120K after 9 months- garden since
Message 8 of 16
Frequent Contributor

Re: How much available credit after 2 years of credit building?

almost 65k in 18 months.

 

Not bad, but goal is 6 figures by end of 2013.

About 400k in Credit Lines
CSP 29.9k, Citi DP 42.5k, Chase Marriott 12k, Chase IHG 6.5k, Sams MC 20k, Amex Hilton Surpass 356k, Hawaii Air 26k, Discover More 50k, Chase SWA 3.5k, WF PLOC 30k, B of A Visa 43.8k, Wells Plat Visa 8.3k, RC Willey 5k, Pen Fed Visa 43.7k, Pen Fed PLOC 25k, Lowes 25k, CSR 28.8k
Message 9 of 16
Valued Contributor

Re: How much available credit after 2 years of credit building?


uroosa1 wrote:

 

My goal is to get to 60k in available credit by end of 2013 ?



 


whats your income though? 

 

i had a solid year and half history and went from 3k in aval credit to 21k now. 

my income is around 35k before taxes. 

i plan on closing out my lower limit cards though when i get my higher limit cards. 

 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 10 of 16