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Senior Contributor
Posts: 4,831
Registered: ‎04-20-2007
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Re: What's your highest CL and who is the CCC?


txjohn wrote:

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.

 

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

No business expenses on my cards at all. Even with my vastly reduced available credit my utilization is always between 1-2% every month.

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


ocheosa wrote:

txjohn wrote:

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.

 

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

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?

It's a FICO oddity. For example if I were to only let a 40K CC report a balance one or more of the CRA's would ding me for no credit card usage that month. The balance is however picked up on the Credit At A Glance Page. I lost 10 months for no revolving balances. High Achievers with clean reports might not see the ding at all. 

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Registered: ‎06-15-2007
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Re: What's your highest CL and who is the CCC?


smallfry wrote:
It's a FICO oddity. For example if I were to only let a 40K CC report a balance one or more of the CRA's would ding me for no credit card usage that month. The balance is however picked up on the Credit At A Glance Page. I lost 10 months for no revolving balances. High Achievers with clean reports might not see the ding at all. 

Oh, very interesting, I'm going have to think about this a bit more. Might be useful to combine 2 cards in the future.

01/04/10 TU 778 EQ 731
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02/12/09 TU 722 EQ 704 EX 690
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Regular Contributor
Posts: 114
Registered: ‎04-29-2008
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Re: What's your highest CL and who is the CCC?

USBank $13,250

 

It's grown solidly with me over the past 5 years w/auto increases, and I fully anticipate it will continue to do so.


Starting Score: EQ 749 TU 751
Current Score: EQ 758 TU 776
Goal Score: 780


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Senior Contributor
Posts: 4,267
Registered: ‎05-01-2008
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Re: What's your highest CL and who is the CCC?

Wachovia Platinum $8.5k

 

This has grown for me too.  Another keeper.



Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 02/2015 TU 709 - EQ 676 - EX 729
Goal Score: 850

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Frequent Contributor
Posts: 351
Registered: ‎12-09-2007
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Re: What's your highest CL and who is the CCC?

Current highest CLs:   Amex Blue 25K and Amex Clear 25K

 

 

FICOs as of 09/2009 - TU 813, EQ 811, last known EX 797
FICOs as of 08/2009 - TU 791, EQ 809, last known EX 797
FICOs as of 07/2009 - TU 806, EQ 809, last known EX 797
Regular Contributor
Posts: 179
Registered: ‎10-21-2008
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Re: What's your highest CL and who is the CCC?

L.L. Bean Visa (Barclay's)  30K

BOA Visa                         29.1K

Chase (prev. WAMU) MC   26K 

BOA MC                           25K

Amazon.com Visa (Chase) 22K 

New Contributor
Posts: 66
Registered: ‎08-30-2008
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Re: What's your highest CL and who is the CCC?

Before I filed my BK in 2005, I had a $29,600 CL on a Chase (ex-Bank One/First USA) Visa.  I also had four other cards with limits of over $10,000 (AmEx Blue, Fleet MC, MBNA MC, Chase-ex-Providian MC).

 

Now my biggest credit line is $2400 (GEMB Walmart Discover).  I am working to grow the limits on that and two other cards I've been able to get over the last two years.  Maybe in 2012 I'll be back to $10,000+ limits.


Starting Score: 677 EQ (1/21/09)/705 TU (1/21/09)/714 EXP (1/21/09)
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Re: What's your highest CL and who is the CCC?

BOA $23,000
TU 680; EQ 690; EX 670
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Posts: 73
Registered: ‎04-13-2009
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Re: What's your highest CL and who is the CCC?

Wow, there are some pretty high CL's out there.

 

I started another thread for lowest APR.  Hope to get some good info on best places to shop APR.

 

 

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