What's your highest CL and who is the CCC?

[GregB]

My two largest CL are B of A. $46,000 and $58,000. Chase $33,500 and $20,000. Both Chase accounts now RJed and will both have low interest BT soon as I have a couple 0% BTs that just expired.

My Amex was $82,000 before they started whacking it down. When they got to $11,000 I cancelled it since it had an AF of $250.

Yes, I have too much CC debt but am stuck due to massive income decrease and a psycho ex that ran stuff up and caused expenses that forced me to charge other stuff. I now owe less than $90,000 total but it is getting harder to keep the average interest under 5% with the decrease in BT offers.

[smallfry]

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@Anonymous wrote:

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@smallfry wrote:
Highest non CU card is Citi DP $12.6K.

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What's your highest CU card?

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Highest was obtained by combining a Visa and MC from NFCU so 40K in total. Penfed at 30K is my highest current line. NFCU is now 25K.

[creditwherecreditisdue]

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@smallfry wrote:

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@Anonymous wrote:

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@smallfry wrote:
Highest non CU card is Citi DP $12.6K.

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What's your highest CU card?

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Highest was obtained by combining a Visa and MC from NFCU so 40K in total. Penfed at 30K is my highest current line. NFCU is now 25K.

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What happened here?

[smallfry]

40K was too high for FICO to pick up so I reduced the credit limit. I am now down to 4 major credit cards lowest limit Chase 10K.

[creditwherecreditisdue]

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@smallfry wrote:
40K was too high for FICO to pick up so I reduced the credit limit. I am now down to 4 major credit cards lowest limit Chase 10K.

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So the cutoff is somewhere between $30K and $40K. I need to know since Her Ladyship is at $30K with PenFed and will be getting more offers. Probably better for her to take another card next time.

[GregB]

I only seen one example of a "cutoff".

My BofA at $46,000 reports correctly.

I am not sure my Amex at $82,000 reported correctly since they whacked that in half in mid 2008. I don't have any saved reports that old to look at where the limit was still $82,000. I have saved reports from all three CRA showing $41,000 so know all three report at least that.

My BofA T $58,000 reports $50,000 CL on my current EQ FICO and my current EX Score Power.

I therefore assume there IS a cutoff at $50,000.

[Safe4Me2]

Wow, these are some serious CL's! Before credit trouble I had a Discover $1300. Now my highest CL is Walmart $600. But I look forward to growing my CC's.

[Anonymous]

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@smallfry wrote:
40K was too high for FICO to pick up so I reduced the credit limit. I am now down to 4 major credit cards lowest limit Chase 10K.

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Personally, I would like a CC with a CL that did not factor into utilization, IF it had a nice APR for those times I chose to do something that was not PIF.  For business, I have Biz CC or LOC that is not personally reporting.

Addison Avenue would be a nice place to have a $40k CL at 5.24% standard APR.

Message Edited by txjohn on 08-13-2009 03:09 PM

[smallfry]

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@creditwherecreditisdue wrote:

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@smallfry wrote:
40K was too high for FICO to pick up so I reduced the credit limit. I am now down to 4 major credit cards lowest limit Chase 10K.

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So the cutoff is somewhere between $30K and $40K. I need to know since Her Ladyship is at $30K with PenFed and will be getting more offers. Probably better for her to take another card next time.

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Well the 40K wasn't picked up. The Penfed 30K is being picked up. Obviously the score ding for no accounts with a balance is minor but I don't need a card with a 40K limit. With only 4 lines I feel safe from any AA now. Each card is used at least every other month and the usage is decent.

[ocheosa]

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@Anonymous wrote:

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@smallfry wrote:
40K was too high for FICO to pick up so I reduced the credit limit. I am now down to 4 major credit cards lowest limit Chase 10K.

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Personally, I would like a CC with a CL that did not factor into utilization, IF it had a nice APR for those times I chose to do something that was not PIF.  For business, I have Biz CC or LOC that is not personally reporting.

Addison Avenue would be a nice place to have a $40k CL at 5.24% standard APR.

Message Edited by txjohn on 08-13-2009 03:09 PM

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Not sure I am understanding. Do you guys mean if the CL does not factor into util this means the balance on the card does not either? So its like a hidden TL?