topic Re: Total Credit 2012 in Credit Cards

Total Credit 2012

nicholasyud — Fri, 21 Dec 2012 04:37:56 GMT

Let list out how much credit line we have at the end of 2012. Compare with 2011.

And see how much we increase at the end of 2013 with credit limit increase, new credit line........etc.....

Let me start my first.....

Orchard bank: $400

Credit 1 : $400

Amex BCE : $1000

Discover : $1700

Crap1: $2000

USAA: $4000

Total : $9500. I know its not much but compare to this in 2011. I had no credit whatsoever. Not even a single credit card.Think about CC company offer me an offer, its would be impposible.......... Now after one years, i had gain almost 10k in my total revolve credit. Discover + Amex you named them all.........

Thank guys so much. Without this forum. I aint nothing.......Thank god i found you guys.......

Re: Total Credit 2012

daybreakgonesXe — Fri, 21 Dec 2012 04:48:24 GMT

Hmm...

Orchard Bank Secured: $1500

JCPenney Rewards Credit Card: $3600

Shell Drive for Five Card: $800

Chase Freedom: $7000

TD Bank Easy Rewards: $5000

Chase Sapphire: $10000

For a grand total of $27900 Compared to the end of last year:

Orchard Bank Secure: $1500

JCPenney Rewards Credit Card: $1800

Shell Drive for Five Card: $400

Chase Freedom: $7000

With a grand total of 10700 whoo! Here's to gardening and getting them auto CLI and soft CLI

Re: Total Credit 2012

nicholasyud — Fri, 21 Dec 2012 04:57:26 GMT

Very nice credit limit you have there buddie.......Let them aged and get some automatic increase yah......

Re: Total Credit 2012

daybreakgonesXe — Fri, 21 Dec 2012 04:59:03 GMT

@nicholasyud wrote:
Very nice credit limit you have there buddie.......Let them aged and get some automatic increase yah......

Why thank you! A little jealous over your arsenal of cards...wish I found this forum when I was building XD oh well! Don't want any more for a long, long, LONG time. I'd rather just watch my baby's grow!

Best of luck to you in the new year! Your cards are going to grow nicely

Re: Total Credit 2012

visorboy1974 — Fri, 21 Dec 2012 05:11:20 GMT

Card 2011 2012

UIECU 22000 26620

PSECU 5000 20000

Alliant 15000 17000

Barclays 7000 12500

Nordies 6000 12000

Chase 8000

BMW 5250

St. Farm 3000 3000

Macys 1000 4400

Dell 3000 3000

Total 2011 $62,000

Total 2012 $111,770

Re: Total Credit 2012

Anonymous — Fri, 21 Dec 2012 06:20:06 GMT

Card 2011 2012

Cap 1 30,000 30,000

Cap 1 15,000 15,000

Chase 23,500 23,500

Citi 15,000 15,000

Amal 12,000 12,000

Amex 20,000 28,000

US Air 18,800 0

Chase 17,000 0

Penfed 0 20,000

US Bank 0 15,000

Fidelity 0 15,000

Barclays 0 7,200

Total 2011 $151,300

Total 2012 $180,700

Re: Total Credit 2012

Anonymous — Fri, 21 Dec 2012 06:49:28 GMT

Big year for me credit wise.

Went from a $300 limit on one card, to $30k in limits between many good cards.

Re: Total Credit 2012

staifokuzed — Fri, 21 Dec 2012 08:52:26 GMT

Started August

Matrix Secured 300

Applied Secured 500

On Recon Paypal MC 1000 (approved today gotta wit for the card)

1800(well 1000)

Im happy I had zero guess I have a little head start for 2013.

Re: Total Credit 2012

maiden_girl — Fri, 21 Dec 2012 09:07:31 GMT

I'll simplify it by making a list. Lol.

2010:

Capital One $500-->$750-->$1,500 (in 2012)

2011:

Macy's $100-->$1,000 (in 2012)

2012:

Living Spaces $5,500-->$8,500

Ashley Furniture $5,500

Amazon Store $1,000-->$2,000

Discover More $1,500

Walmart Discover $1,000-->$1,500

Chase Freedom $3,000-->$4,500

Re: Total Credit 2012

Smug — Fri, 21 Dec 2012 11:23:18 GMT

what's not showing 10k BOA sig card, increase of 3K to PSECU and a amazon visa . Total ending this year: 80,190.00 Oh and they are all paid off Last year was at about 40K

Re: Total Credit 2012

Swapmeet — Fri, 21 Dec 2012 12:52:15 GMT

This will be easy for me.

2011 2012

0 Applied Secured 250

First Premeir Secured 300

Wal Mart 700

USAA 4000

Re: Total Credit 2012

jsucool76 — Fri, 21 Dec 2012 16:35:47 GMT

At the end of 2011,i had 0 credit.

Now ive got a cap1 @ 3500,a WF @ 600, walmart @ 800 and paypal at 700.

If my math is correct that is $5600 not bad for starting my credit journey in june.

Thank you myfico!

Re: Total Credit 2012

Duncanrr — Fri, 21 Dec 2012 16:43:36 GMT

2011 - None

2012 - Enough

2013 - looking for a little more than enough

Re: Total Credit 2012

sccredit — Fri, 21 Dec 2012 16:48:35 GMT

December 2011

Capital One Platinum Mastercard $300

Capital One Platinum Plus Visa $750

Capital One Business Platinum $750

Orchard Bank $700

Merrick Bank $1,900

Total $4,400

December 2012

Chase Freedom $3,000

Citi - Home Depot $3,000

USAA Rewards AMEX $4,000

USAA Rewards MC $4,000

Citi Hilton HHonors Siggy $7,000

Comenity Smile Generation $7,500

Care Credit $7,800

Citi TY $8,000

Discover It $10,000

DCU Platinum $10,000

Cap One Spark Miles $10,000

Chase Southwest RR Siggy $10,500

Total $84,800

Add on top of that an Auto refi from 10% to 2.8% at my local CU and a new mortgage of $309,000 at 3.5%

Definitely a good year. 2013 will mean breaking the $100k barrier on available credit!

Re: Total Credit 2012

zullyquirke — Fri, 21 Dec 2012 17:00:52 GMT

I've been in rebuilding mode for the last year and a half, and now that I've finally crawled my way out of most of my historical baddies my focus is on maintaining a good current credit history. So not a lot of huge changes this year, but I'm in gardening mode with a few baddies looking to fall off and a few CLI's in my future so we'll see how 2013 does for me.

2011:

Cap 1: $300

Credit One: $300

HSBC: $300

Total: $900

2012:

Cap 1: $300

Credit One: $400

HSBC (now Capital One): $300

Cap 1 (new): $500

Total: $1,500

Total increase: $600

I also have a new auto-loan for $15,000, completely under my name with no cosigners. May not seem like a big deal, but given that my credit score was once in the 400's it made me pretty excited to have a degree of financial independence. My score still isn't great, but at least it isn't terrifying!

Re: Total Credit 2012

bbrannan — Fri, 21 Dec 2012 17:05:58 GMT

This should be easy to start with -

2011? Nothing. Not a single CC.

2012 - first secured Cap 1 card (200) in Feb.

Since then:

Orchard Bank - 300

USAA Platinum M/C - 2000

USAA Amex - 2000

NFCU Flagship Visa Sig - 10,000

NFCU CashRewards Visa Sig - 12,500

NFCU LOC - 15,000

Lowes - 2300

Home Depot - 2500

Walmart - 3000

Amazon - 4000

Old Navy - 2000

Discount Tire (Care Credit? GE)- 1200

Amex BCE - 1000

Amex Zync - NPSL

Cap 1 Cash Rewards - 3500

Total = $61,500

Re: Total Credit 2012

bluesnowman — Fri, 21 Dec 2012 17:31:33 GMT

2011- None, was afraid of using credit and did not want debt.

2012: BOFA Cash Rewards-700, Citi Forward- 1.5k, Discover More- 1.5k, AMEX PRG-NPSL. Scores are 700+.

2013- Hopefully Freedom and BCE. Then done for a pretty long time.

Re: Total Credit 2012

Anonymous — Fri, 21 Dec 2012 18:31:21 GMT

Let's see. There isn't much there for me either. 2011-orchard bank $1100 CL, still $1100
2012-added Green Cap1 Cash Rewards Card $2000 CL, also was approved for my first tier 1 lease for a brand new Acura TL has month
2013- closing on a mortgage, Cash Rewards card should be at $2500 by March, and in the summer I plan to app for a Chase Sapphire card and then be done. I think 3 charge lines is enough for me.

Re: Total Credit 2012

jsickz32 — Fri, 21 Dec 2012 18:39:43 GMT

2011:
Only had between 8k-9k of available credit.

2012:
I now have $51300 of available of credit

Re: Total Credit 2012

emptypockets — Fri, 21 Dec 2012 19:01:56 GMT

I went from $110,000 in 2011 to $172,050 in 2012. Didn't realize how much it went up until I added it up just now. Added many new accounts in 2012, and received some CLI's (all SP's and Auto CLI's).