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What's your Total Credit Exposure + Bal (Current)? I'm sitting out 2017, with no HP's or Cold Apping. I'm done! It's getting boring now. 2016 was great for me credit and job wise. I'm currently at $105,109.00 with about $6k in total CC debt.
You're doing pretty good with those numbers! Now it's time to clean up the mess and trim the fat to a more optimal portfolio. First up should be anything you don't use but has an AF, next cut the cord on the store cards, then hit the remaining with a CLI attempt to replace the cuts.
CapOne QuickSilver One MC: $2150 |
Cabela's CLUB Visa: $4000 |
Barclaycard® Rewards MC®: $1000 |
First Savings MC: $1500 |
Legacy Visa:$1500 |
AMEX BCE®: $1500 |
Discover It Card: $3500 |
Chase Freedom: $4000 |
Chase SLATE: $3200 |
CSP®: $5000 |
United MileagePlus® Explorer: $5000 |
Amazon.com Rewards Visa: $4000 |
Amazon.com Store Card: $3500 |
$39850 (easily growable to 75-100k in a few months)
Blaze MC:$850 |
Open Sky Secured Visa: $375 |
First Progress Secured MC: $404 |
CapOne Secured MC: $605 |
Old Navy: $3500 |
Gap: $3500 |
Banana Republic: $3000 |
Walmart: $6000 |
Sams Club:$5000 |
American Eagle: 2450 |
TJ Maxx: $2700 |
Belk: $5000 |
Macy's: $5500 |
J.Crew: $800 |
Abercrombie & Fitch: $950 |
Express: $1300 |
Buckle: $1000 |
Kay: $6000 |
PayPal: $2750 |
Overstock: $5000
$312,300.00 owe 4000.00
Im gonna trim some down this year I think.
I've come along way ( thanks to MyFico ) in june of 2015 I had 0 avalable credit
@Anonymous wrote:$312,300.00 owe 4000.00
Im gonna trim some down this year I think.
I've come along way ( thanks to MyFico ) in june of 2015 I had 0 avalable credit
Yeah, that's 150K in CL's per year improvement. Nice job but, yeah.... I'd say trim it to your top 5-10 limits and drop the rest.
Around $100k in limits, $0 balances.
I strongly believe that whether your total credit limits are $500 or $500,000 that everyone's goal should be $0 balances.
@austinguy907 wrote:
@Anonymous wrote:$312,300.00 owe 4000.00
Im gonna trim some down this year I think.
I've come along way ( thanks to MyFico ) in june of 2015 I had 0 avalable credit
Yeah, that's 150K in CL's per year improvement. Nice job but, yeah.... I'd say trim it to your top 5-10 limits and drop the rest.
yea eventually I'll get down there. I just hate closing them when they cost me nothing. I closed 5 last year.
one of my Amex
Barclay
Moto
surge
total
$117K in credit - $3.4K balance..
Now that my TU came up a little (went from 695 to 752 today), I'm going to garden for 6 months.
AND THEN... I should be good for some more really nice SL's
@Anonymous wrote:Around $100k in limits, $0 balances.
I strongly believe that whether your total credit limits are $500 or $500,000 that everyone's goal should be $0 balances.
Correct. I PIF everything but leave a little reporting so it reports something. I have this 0% thing going on with the 4000. we had our will done. So tossed it on that for the time being.
~$165k in credit....I currently owe $1700. $800 of what is owed is currently under 0% for 6 months with my Blispay and the remainder I will pay later this month. I try not to carry balances.
@Anonymous wrote:Around $100k in limits, $0 balances.
I strongly believe that whether your total credit limits are $500 or $500,000 that everyone's goal should be $0 balances.
Haha, ditto.