Wow! $80,000 in credit

icyhot · ‎05-16-2016

BofA Cash- $14,500
QuikSilver- $11,000
Venture- $10,000
Marriott- $8,000
Spark Cash- $6,000
Amazon-$6,000
AAdvantage- $5,000
Double Cash- $5,000
NCSECU-$5,000
Discover- $4,000
Citi Forward- $1,500

Discover denied me for a CLI because my reported UTL was too high, the BT balance on my QS reported before 0 balances of the payoffs did, so I'll try again when they update. But wow. This time two years ago o had a maxed out $2500 Forward, 2 $300 Cap One cards, a $300 NY&C card and a $300 Kohls card. My focus is now gardening, letting my accounts age and INQs fall off, and paying off my BTs. I will combine my QS and Venture to a $21,000 QS to soften the individual UTL on that card

Anonymous · ‎05-16-2016

Sounds like you have a great plan. Looking forward to seeing you in the garden.

DoroLucky · ‎05-16-2016

Trust me I know that feeling.

I LOVE it....soon you'll be over $100K

CONGRATS!

TCL= $172,800
6-7-16: EQ 683 EX 713 TU 715
10-12-16 EQ 685 EX 706 TU 702 12-19-16 EQ 683 EX 704 TU 701 and CHILLING ON ICE...BRRRRR!
In the garden as of 6-7-16, I've been really really BADDDDD

galahad15 · ‎05-16-2016

Congrats on the excellent $80k CL there icy!

BEFCU Platinum Plus VISA @ 5.49% F with 1% rewards, $4k

AOD FCU VS @ 7.49% F with 3% rewards, $7.5k

PACU Premier Privileges Rewards MC @ 7.50% F with 1.5% rewards, $20k

Unify FCU Fixed-Rate VISA Platinum @ 8.99% F, $25k

BoA Customized Cash Rewards WMC @ 9.99% F with 3.3%/2.2% category rewards, $50k

Unify FCU Variable-Rate VISA Platinum @ 10.24% V, $15k

EPFCU Smart Rewards MC @ 10.75% V with 1% rewards, $6.5k

FNBO BucksBack VS @ 11.5% V with 1.5% rewards, $85k

Andrews FCU Titanium Rewards VS @ 12.99% V with 3%/1.5% rewards, $5k

Cap1 Venture MC @ 15.15% V with no AF, 2% rewards, $9k

BoA Travel Rewards VS @ 15.24% V, $17.6k

BoA Customized Cash Rewards WMC @ 17.24% V with 3%/2% category rewards, $14.3k

Redstone FCU VS @ 17.25% V with 5%/3%/1.5% rewards, $10k

AAA Daily Advantage VS @ 18.74% V with 5%/3% category rewards, $10k

PenFed Pathfinder Rewards VS @ 18.99% V with no AF, 4x/1.5x rewards points/dollar, $12.5k

BoA Customized Cash Rewards WMC @ 19.24% V with 3%/2% category rewards, $20.4k

Citi Custom Cash WEMC @ 19.24% V with 5% category rewards, $39.32k

Amazon Prime VS @ 19.49% V with 5% category rewards, $35k

PayPal CashBack MC @ 19.74% V with 3% on all PayPal purchases/2% on all other purchases, $25k

US Bank Cash+(x2) @ 20.24% V with 5% category rewards, $32k

Wells Fargo Autograph VISA @ 20.49% V with 3% category rewards, $12.5k

FNBO BucksBack VS @ 21.24% V with 2% rewards, $23.5k

Citi Custom Cash WEMC @ 22.24% V with 5% category rewards, $5k

Amex BCE @ 23.49% V with 3% category rewards, $3k

WF Bilt WEMC @ 24.49% V with 3% dining rewards, $30k

Anonymous · ‎05-16-2016

I'm probably in the minority, but I hope to never get another CLI. I already have WAY more credit than I need and have no desire to see my limits go up.

I'd have to look it up but I think I'm around 50 K.

Anonymous · ‎05-16-2016

Congrats!! Gardening sounds like a great idea!

Ghoshida · ‎05-16-2016

Great job!

I had a similar feeling. My horizon was between April 2014 (with some $13.5k in credit) and April 2015 (with about $72k).

Hopefully you'll keep growing!

If it helps, freezing your reports and staying in the garden for 6 month stretches helps the profile a lot.

Anonymous · ‎05-16-2016

Congrats on the total credit limit although I dont really think it makes a big difference. Because I would never actually ring up such a high balance I couldnt pay off and ruin the credit I worked hard to build up. Been there before and dont ever want to be there again.

RonM21 · ‎05-16-2016

Big difference from where you were OP! Nicely done.

Total CL: $321.7k

UTL: 2%

AAoA: 7.0yrs

Baddies: 0

Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

wai0405 · ‎05-16-2016

@Anonymous wrote:
Congrats on the total credit limit although I dont really think it makes a big difference. Because I would never actually ring up such a high balance I couldnt pay off and ruin the credit I worked hard to build up. Been there before and dont ever want to be there again.

so jealous about ur barclay arrival card limit LOL