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What is your credit line? how many CC do u have? Why did you apply your cards?

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JaysonT
Regular Contributor

Re: What is your credit line? and how many credit cards do you have?

@CS800:

 

The DCU card was added back in October 2011.

Message 31 of 53
emptypockets
Valued Contributor

Re: What is your credit line? and how many credit cards do you have?

My Collection:

 

AMEX PR Gold       NPSL

AMEX Delta Gold  12K

Alliant CU Visa      10K

Nordstrom Siggy   10K

Lowe's (GEMB)      8.5K

RZMC Platinum     8K

Jared                       7.5K

UMB  Visa               7.5K

Home Depot          5.8K

Dillard's AMEX       4.7K

AMEX HH                4K

Cabela's                 4K

Discover More       4K

Art Van (Furn)         3K

Barclays US Air     3.2K

Cap One Plat         3K

Walmart                  2K

Barclays MC           2K

HSBC Discover     1K

Kohl's                      1K

Macy's                     1K

     

21 cards, 102K in limits, current util approx 7k, so I am right around 7%.

 

Most cards with balances are promos. I use AMEX Gold and Discover for main cards. Waiting for 2002 BK to fall off in July to try for a Citi or Chase card. I may combine the Barclay cards into one if they let me, because I never use the MC. I keep the HSBC Discover hoping they will one day raise the limit back to the 5K it was prior to mass CLD's they did when the economy crashed in 2007. If not, that's another one on the chopping block.


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (3), Chase (5), US Bank Cash+, Huntington Voice, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 Real Life Rewards MC; FNBO Amex; Comenity Visa/MC (3), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (09/2017): EQ My Fico: 786; TU MyFico: 799; EX (My Fico): 797
Message 32 of 53
ChesterPDexter
Established Contributor

Re: What is your credit line? and how many credit cards do you have?

Navy Federal MC $10,000

Navy Federal VISA $5,000

USAA Platinum MC $5,000

USAA World $5,000

USAA AMEX $2,500

USAA Rate Advantage MC $4,000

HSBC Platinum $5,400

HSBC Direct Rewards $1,900

Old Navy VISA $1,500

Merrick VISA $3,300

Merrick H MC $3,500

Barclay MC $2,500

Citi MC $2,000

FNBO VISA $5,300

Chase Freedom VISA $3,788

Capital One MC $1,500

Sam's Club $5,000

Texaco/Chevron $1,250

Amazon $1,250

Paypal Smart Connect $2,200

Neiman Marcus $505

Bloomingdales $2,500 (I think?  May be $1,600)

Jared $4,700

_________________________________________________________
Too many accounts; too many debts; lots of open credit, and lots of utilized credit. Scores somewhere in the 600s - I have no earthly idea exactly what number, but not 700 like it was, briefly.
Message 33 of 53
Anonymous
Not applicable

Re: What is your credit line? and how many credit cards do you have?

wowwwwwwww, you guys have a lot of credit cards. I really dont know how you can handle all of your cars monthly....

Message 34 of 53
jason86423
Frequent Contributor

Re: What is your credit line? and how many credit cards do you have?

CardLimit
ABC Warehouse2500
Amazon Store Card3800
Bank of Amerca Cash Visa12500
Best Buy RWZMC800
Capital One Plat MC2300
Chase Freedom Visa5000
CitiBank Plat MC5600
CitiBank AA Visa Siggy9000
CitiBank Diamond Pref6800
Delta Amex5500
Discover4500
Elan Citizens Visa500
Elan Genisys Visa4000
Exxon750
Fingerhut1000
Home Depot600
Jc Penney4800
Lowes5800
Navy Federal Visa24000
Navy Federal NavCheck4000
Navy Federal MC10000
Orange Loan Account10000
PSECU13000
QVC3850
Sams Club Credit10000
Sunoco500
Target1000
USAA MC4000
USAA Amex4000
Walmart Store Card3450
 163550
  
 2 percent util
Message 35 of 53
CS800
Super Contributor

Re: What is your credit line? and how many credit cards do you have?


@JaysonT wrote:

@CS800:

 

The DCU card was added back in October 2011.


DO you know what they pull? EQ or EX? They do give the monthly EQ so Im assuming thats what they use.




Message 36 of 53
Redissochi
New Contributor

Re: What is your credit line? and how many credit cards do you have?

I feel like such an amateur listing my current cards with everybody having all these cards with awesome limits LOL But I am rebuilding mode and hope to have at least 8 by next year with respectable limits. Here is where I am at now:

 

Paypal Smart connect: $800

Cap One Secured: $651

Orchard Bank: $300

Cap One No Hassles Rewards: $500

 

Current utilization is at 3%

 

The No hassles card and the Orchard bank card are new I was just approved for them two weeks ago!! Considering what my financial situation was this time last year it feels awesome to have these available to me because I was getting denied left and right and my CR was horrendous. But thanks to this site, a new job, paying old debts and starting off slow with a secured card I am slowly working my way up to the 700 club and I hope in the future I can post a long list of cards with sweeet limits!! :-)


Starting Score: 624
Current Score: 710(MYFICO 06/10/2013) Experian: 705 (Pulled from Bank of America while applying for an auto loan 5/2013)Goal Score: 800 Club

Take the FICO Fitness Challenge
Message 37 of 53
jason86423
Frequent Contributor

Re: What is your credit line? and how many credit cards do you have?

Redissochi

 

Gotta start (or restart ) somewhere.  Just over 10 years ago I only had  a debit card as I just came out of BK... started out with cap one, hsbc, applied bank, then some of the store cards and to be honest,  I've really just started getting some nice cards and limits the last few years.  Seemed like after I was approved for my first Amex and that reported for a few months everyone else came a knockin.. Smiley Happy

 

Give it time and your garden will grow!

 

 

Message 38 of 53
JaysonT
Regular Contributor

Re: What is your credit line? and how many credit cards do you have?


@CS800 wrote:

@JaysonT wrote:

@CS800:

 

The DCU card was added back in October 2011.


DO you know what they pull? EQ or EX? They do give the monthly EQ so Im assuming thats what they use.


EQ only although they hit it twice.  Very odd application process compared to others.  I applied and then on the phone was told I was approved for the card.  Then a few days later they called me and said that the application was in fact denied by whomever handles their cards.  Okay, no big deal, move on to the next card...  A month goes by and they call me to ask if I am going to sign the paperwork to allow them to send out my card?  Very confused at that point so I explained that I was told I was not getting the card.  Response was "oh, no we approved your application and just need the paperwork signed and faxed".  Okay, signed and faxed and they send me the card.

 

I like getting the free monthly EQ but they are not the most professional of banks.  They are always real nice on the phone but they kind of remind me of when my sister and I use to play bank as kids.

Message 39 of 53
Anonymous
Not applicable

Re: What is your credit line? how many CC do u have? Why did you apply your cards?

I think I've finally got all the cards I want, and the high limits are a result of credit line consolidations. The first 3 are the cards I use most because I pay annual fees on them.
United MP Select Visa 60,000
Hawaiian Air Visa 25,000
Starwood Amex 10,000
Citi AA Bronze. 56,500
Amex Blue Sky 15,000


US Airways MC 31,000
Priority Club Visa 39,000
Message 40 of 53
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