Congratulations. I believe a $20000 cash advance is in order to celebrate!
@efranklin23 wrote:
@unc0mm0n1 wrote:I can't believe three years ago all I had was three crappy USAA card (1 secured), total unsecured credit limit 3500.00. I was just approved for the Blue Cash (15k) and that takes my total available credit to over a 100K! This board is awesome and gave me great advice. If you are rebuilding and you truly listen to what the people here are telling you, it can happen for you too. It won't be easy and it won't happen overnight but it will happen.
Congrats on the 100k club. I thought about attempting it at one point but I just think it's not for me as my income is nowhere near 100k/yr and I have enough available credit for me.
I also have more than enough credit for me. My utilization is always between 1 and 3 percent. The resaon I have so much credit is that I get cards that benefit me. I don't need my 15K United explorer but it has saved me over 150 dollars this year plus it gives me more options when choosing award flights. I could live with out 14K IHG card but I get a free hotel night at an IHG property every year for a 49 dollar annual fee. In reality 95% of my everyday spend (non-MS) is on my 3K Freedom and 5K CSP (Although that will change once I get my Blue original)
@Shock_ wrote:Question regardless this:
Can a person join the 100k club if their income doesnt support it? Say....30k annual income or less?
And how much of a difference does income make when apping for credit cards?
My income was 35K when I qualified for my first 25K limit card (NFCU). Getting AMex's and doing the 3X CLI is also another way to reach the 100K club.
