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Over $100k...

Frequent Contributor

Re: Over $100k...

I'm around $75K (see siggy).  And that is way more than I need.  I don't want any other cards and only got the HHonors for the 40K points.  Too much credit can be a turn off for some creditors.  Just closed on a $416K house in June so I'm set except for a car in a year or two.  Til then it's garden, garden, garden!  Hopefully I can get high enough for a zero percent or really low loan.



Starting Score: TU 672 EQ 654 10/20/09
Current Score: TU 775 EQ 783 EX 799 (PLUS)
AMEX Delta Platinum $35K, NFCU Visa Signature $30K, HHonors Reserve Visa $35K, WF $13.5K, IHG Rewards Club MC $25K
Message 11 of 30
Valued Member

Re: Over $100k...

USAA World MC........................$8,000

USAA Amex................................$9,000

Amex Starwood.......................$15,000

NFCU cashRewards Visa ...$14,000

PenFed Platinum Rewards....$5,000

 

Total...........................................$51,000 (all on a $40k income)

USAA World MasterCard - $14,500
American Express SPG - $20,000
NFCU CashRewards Visa Sig - $20,000
PenFed Platinum Rewards Visa - $5,000
Message 12 of 30
Established Contributor

Re: Over $100k...

Well i definitely cant brag about my total CL cause its only like 8k lol (so sad....) so ill just use Crashem, the guy has a freakin AWESOME amount of available credit. I believe hes somewhere real close to 300k+ that he can use. I WISH i just had half of that....lol maybeee one daySmiley Wink


Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink
Message 13 of 30
Frequent Contributor

Re: Over $100k...


gettnthere wrote:
Well i definitely cant brag about my total CL cause its only like 8k lol (so sad....) so ill just use Crashem, the guy has a freakin AWESOME amount of available credit. I believe hes somewhere real close to 300k+ that he can use. I WISH i just had half of that....lol maybeee one daySmiley Wink

$300k+...Geesh!!!

 

Congratz! DrJim...that must be a beautiful home for that price unless you're in a big city then a small condo (still nice I'm sure), LOL!

 

Sounds like you have everything all planned out. If you qualified for a $416k home in this market, I'm sure you'll get that 0% or very low IR on your car when you're ready.

FicoTU 780 | Credit Karma 781 | Credit Sesame 780
EQ 673 Dec2011 | Current: 695 Nov2013 | Goal: 720+
UTL: 54% Dec2011 | Current UTL: 21% | Goal UTL: 0% June2014
AmxZync | CapOne 1k | Comenity 1.1k | Target 3k |NFCU Visasig 5k | Goodyear 5.8k | CitiSimplicity 10.2k
Sam'sClub 10k | AmxSpg 20k | Citi HiltonReserve 20k | DCU 20k | Chase RR Visasig 25k | NFCU Visasig 33k
Message 14 of 30
Frequent Contributor

Re: Over $100k...


CorporalCaptain wrote:

USAA World MC........................$8,000

USAA Amex................................$9,000

Amex Starwood.......................$15,000

NFCU cashRewards Visa ...$14,000

PenFed Platinum Rewards....$5,000

 

Total...........................................$51,000 (all on a $40k income)


Impressive...

 

I wonder how much over your income are CC companies willing to risk. 

 

 

FicoTU 780 | Credit Karma 781 | Credit Sesame 780
EQ 673 Dec2011 | Current: 695 Nov2013 | Goal: 720+
UTL: 54% Dec2011 | Current UTL: 21% | Goal UTL: 0% June2014
AmxZync | CapOne 1k | Comenity 1.1k | Target 3k |NFCU Visasig 5k | Goodyear 5.8k | CitiSimplicity 10.2k
Sam'sClub 10k | AmxSpg 20k | Citi HiltonReserve 20k | DCU 20k | Chase RR Visasig 25k | NFCU Visasig 33k
Message 15 of 30
Frequent Contributor

Re: Over $100k...


searchingfor67 wrote:

$129K


How many cards? Mind sharing your CL's on each???

FicoTU 780 | Credit Karma 781 | Credit Sesame 780
EQ 673 Dec2011 | Current: 695 Nov2013 | Goal: 720+
UTL: 54% Dec2011 | Current UTL: 21% | Goal UTL: 0% June2014
AmxZync | CapOne 1k | Comenity 1.1k | Target 3k |NFCU Visasig 5k | Goodyear 5.8k | CitiSimplicity 10.2k
Sam'sClub 10k | AmxSpg 20k | Citi HiltonReserve 20k | DCU 20k | Chase RR Visasig 25k | NFCU Visasig 33k
Message 16 of 30
Frequent Contributor

Re: Over $100k...

It makes me wonder how these credit cards people determine your limits.  But I guess that's why the interst rates on these things are so out of wack with other rates.

 

 

My Wallet:
AMEX Platinum | Discover It $20.3k | Chase Sapphire Reserved $16k | Chase United $12k | AMEX SimplyCash Plus Business $11.6k | AMEX Schwab $9k | AMEX BCEP $8.2k | Citi Costco Anywhere Visa $8k | Chase Amazon Visa $8k | Chase Sapphire Preferred $7k | Chase Freedom $5k | Citi Simplicity $5k | Paypal Extras Platinum $5k | Wells Fargo $5k | Citi Best Buy $4.2k | Citi Visa Signature $3k | Care Credit $3k
Message 17 of 30
Established Contributor

Re: Over $100k...

70K here...no need for more
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!
Message 18 of 30
Valued Member

Re: Over $100k...


tubesock wrote:

CorporalCaptain wrote:

USAA World MC........................$8,000

USAA Amex................................$9,000

Amex Starwood.......................$15,000

NFCU cashRewards Visa ...$14,000

PenFed Platinum Rewards....$5,000

 

Total...........................................$51,000 (all on a $40k income)


Impressive...

 

I wonder how much over your income are CC companies willing to risk. 

 

 


That's the question.  Smiley Happy   I'm sometimes surprised that I've been able to push my Starwood card up to $15k.  Not sure I want to risk another CLI.

I am curious to see if PenFed bumps my limit one day, but that's a long way off since the card isn't even 30 days old yet.

 

USAA World MasterCard - $14,500
American Express SPG - $20,000
NFCU CashRewards Visa Sig - $20,000
PenFed Platinum Rewards Visa - $5,000
Message 19 of 30
Frequent Contributor

Re: Over $100k...


Razeus wrote:

It makes me wonder how these credit cards people determine your limits.  But I guess that's why the interst rates on these things are so out of wack with other rates.

 

 


That's why I try to never, ever carry a balance. The interest rate is irrelavant if you pay in full or use the 0% interest promos. NFCU offers 0% at the beggining of the year, which I always take advantage of. I let all their other customers give them interest. 

FicoTU 780 | Credit Karma 781 | Credit Sesame 780
EQ 673 Dec2011 | Current: 695 Nov2013 | Goal: 720+
UTL: 54% Dec2011 | Current UTL: 21% | Goal UTL: 0% June2014
AmxZync | CapOne 1k | Comenity 1.1k | Target 3k |NFCU Visasig 5k | Goodyear 5.8k | CitiSimplicity 10.2k
Sam'sClub 10k | AmxSpg 20k | Citi HiltonReserve 20k | DCU 20k | Chase RR Visasig 25k | NFCU Visasig 33k
Message 20 of 30