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Frequent Contributor
DrJim
Posts: 382
Registered: ‎10-26-2009
0

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,
Valued Member
CorporalCaptain
Posts: 46
Registered: ‎08-23-2010
0

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)

Equifax FICO: 811 on 5/3/2013
-----------------------------------------
USAA World MasterCard - $8,000
American Express SPG - $15,000
NFCU CashRewards Visa Sig - $15,000
PenFed Platinum Rewards Visa - $5,000
Established Contributor
gettnthere
Posts: 912
Registered: ‎06-14-2012
0

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 day:smileywink:


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 :smileywink:
Frequent Contributor
tubesock
Posts: 423
Registered: ‎09-12-2009
0

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 day:smileywink:

$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
Frequent Contributor
tubesock
Posts: 423
Registered: ‎09-12-2009
0

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
Frequent Contributor
tubesock
Posts: 423
Registered: ‎09-12-2009
0

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
Frequent Contributor
Razeus
Posts: 395
Registered: ‎04-02-2012
0

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:
Discover It $14,300 | Chase Sapphire Preferred $7,500 | Chase Freedom $5,000 | Citi Simplicity $5,000 | AMEX BCE $3,000 | Paypal Extras Platinum $5,000 | Wells Fargo $1,000 | AMEX Zync NPSL
Established Contributor
Smug
Posts: 961
Registered: ‎12-21-2010
0

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!
Valued Member
CorporalCaptain
Posts: 46
Registered: ‎08-23-2010
0

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.  :smileyhappy:   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.

 

Equifax FICO: 811 on 5/3/2013
-----------------------------------------
USAA World MasterCard - $8,000
American Express SPG - $15,000
NFCU CashRewards Visa Sig - $15,000
PenFed Platinum Rewards Visa - $5,000
Frequent Contributor
tubesock
Posts: 423
Registered: ‎09-12-2009
0

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

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