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@eagle2013 wrote:Individual Income: $45k
Total Credit Lines: $106,800
nice! that's my income. some day maybe i can get those CL's. right now...
income 45k / credit lines 3k
$12,000 from 5 credit cards and a NPSL PRG amex
21 years old $25,000 income
My total CL is 30K, which is lower than my annual income.
Income $260k
credit $180k
Holy crud--I've never actually added up all of my cards before to obtain a limits--I've got as low as $1700 with Macy's and as high as $22,000 with Citi Preferred and with the others scattered in there, my limit's ~55k against an annual salary of 65k. Sears will routinely send me a letter congratulating me for my "fine payment history' and they then increase my limit. For years, I would call them and ask them to LOWER it but I finally stopped. I THINK I started out my Sears card with a $4000 limit and it's now $7800. Here's a return question: Was it smart or NOT smart to allow them to raise on my limit? On the one hand, it lowers my utilization percentage but on the other hand, it increases my exposure to potenially amass more debt.
Hi All
I have
Wells Fargo Rewards $25k
Citi Forward Legacy $22k
BOA Travel Rewards $20k
PenFed Platinum Rewards $20k
Chase Freedom $15k
Discover More $11K
Harvard Alumni by Barclay $10500
Capital One Venture One $7500
Totalling 131,000 according to Wallaby App
I never had a car loan or Mortgage
I am in my early 30s and my oldest credit card Wellsfargo is 9 years old
my credit scores accoring to Discover credit monitoring system is just over 800 out of 850 scale for all three credit bureaus
I must say I work very hard for my credit
I try to have only one credit card / major bank I recommend all my friends to Start off with 4 major banking institutions of USA first
which are CHASE, BOA, Citi and wells Fargo before openning any other cards like AMEX, Discover Capital one even if their rewards are better
I highly recommed everyone to have Wells Fargo Card even though their reward sucks my Wells Fargo Card was always the first card to break the barrior of Credit line
First card to get 10k then 15k then 20k and 25k currently
When I calledother banks after I increased Wells Fargo they followed suit
one other rule I always kept is never go over 30% of credit limit at the end of statement cycle
If you look at your credit report highest balance reported is noted there and remains there
You can increase your credit line but you can never lower the highest reported balance
I never let any of my cards report to credit bureau over 30% of the Credit line of each card
My goal is to open HSBC card, USbank card and maybe international bank card like UBS VISA in the next 5 years
I hope my post helps !
Thanks for reading
Income just under $100,000
Total Credit Available just under $50,000...up from $300 two years ago
Current Revolving $17650 up from $700 at the start of 2014.
Annual Income currently is 60K.
~$35K/year
$33,300 in revolving credit