100k group please respond

[Anonymous]

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@msbia wrote:

OP, congratulations on all of your new cards and acquiring over $100k in credit. My ascent was also quick and scary for me as well. I started rebuilding in January 2014 with a $250 secured card. Today I have over $287k unsecured. My scores are 723, 721 and 673 (freaking EQ). My last approval was for Sam's MC this month, and I am finished until my mortgage in 2017. Early this year I closed out a lot of smaller limit cards which didn't affect my aaoa because it reports for 10 years. I was approved for $10k Fidelity Amex in June and I just PC'd my AF AAviator to the Arrival with no issue from Barclays. I was honestly shocked when I looked at my spreadsheet and saw I was over $100k and then 200k...seriously, I felt like some out of body experiences occurred lol. Much of my high limits came from CLI from NFCU, USAA and then High lines from Chase and BOA. I've not had any serious AA or questions about my apps. My last two Chase cards were instant approvals for $4500 and $15k. I hope my data helps ease your mind some. 

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Thank you for your kind congratulations! Whew - msbla, it does indeed ease my mind a bit! That is an amazing ascent and fast can be a bit scary for us all. It helps to hear from other people wjo have felt that way too. Your information gives me encouragement that things will be ok as long as I keep along the responsible utilization path. Thank you very much!

I think I"ve been dealing with the out of body experiences as well, by the way - good to know I'm not alone

[masscredit]

I'm towards the end of my rebuilding so I haven't made it back to the $100K Club yet. Currently at $47,300. and should be able to CLI to around $55K at the end of the year. I thought I was doing good with only having $1800. in avaialble credit a few years ago. Some of you have shot up FAST!  $50K is current goal then $75K then $100K. I have a decent number of cards and don't know if I'll be looking to get a mortgage in the next year so I don't want to apply for any new credit now. I might also look into some business oppertunites that will allow my credit to grow also. So for now I'm going to learn from the responses in this thread, Might see some good advice to apply to my future credit journey.

[msbia]

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@Anonymous wrote:

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@msbia wrote:

OP, congratulations on all of your new cards and acquiring over $100k in credit. My ascent was also quick and scary for me as well. I started rebuilding in January 2014 with a $250 secured card. Today I have over $287k unsecured. My scores are 723, 721 and 673 (freaking EQ). My last approval was for Sam's MC this month, and I am finished until my mortgage in 2017. Early this year I closed out a lot of smaller limit cards which didn't affect my aaoa because it reports for 10 years. I was approved for $10k Fidelity Amex in June and I just PC'd my AF AAviator to the Arrival with no issue from Barclays. I was honestly shocked when I looked at my spreadsheet and saw I was over $100k and then 200k...seriously, I felt like some out of body experiences occurred lol. Much of my high limits came from CLI from NFCU, USAA and then High lines from Chase and BOA. I've not had any serious AA or questions about my apps. My last two Chase cards were instant approvals for $4500 and $15k. I hope my data helps ease your mind some. 

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Thank you for your kind congratulations! Whew - msbla, it does indeed ease my mind a bit! That is an amazing ascent and fast can be a bit scary for us all. It helps to hear from other people wjo have felt that way too. Your information gives me encouragement that things will be ok as long as I keep along the responsible utilization path. Thank you very much!

I think I"ve been dealing with the out of body experiences as well, by the way - good to know I'm not alone

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You are very welcome. I love to encourage. I forgot to tell you that my utilization hovers around 5-8% and I try not to go past that. I NEVER make minimum payments; usually triple or more and I always pay off all but $50 on my 5 Chase cards each month lol. I don't know why. I PIF Amex and Barclays and leave a balance on BOA. in January I will consolidate my Capital One cards and I am working to combine the limits of my two NFCU cards which are at $22k each. I am also going to combine my Chase cards onto two within the next year so my mortgage broker won't look at me crazy with all my trade lines lol. No worries sweets, it will all work out! 

[Anonymous]

Thanks msbla, this is all very helpful also. I always make quite a bit more than the minimum payments too and I'm sure it helped. I wish you the very best on your credit journey too!

Planning to do a few balance transfers to get more accounts reporting at zero balance. That will help the overall picture.

[msbia]

I just did that too Hum....BOA had a wonderful 0% until 2017 offer sent to me so I transferred all of my smaller balances to that card. Smart thinking but make sure you don't ride it out, and continue to make larger payments to the donor card! 

[Anonymous]

I have 108k in available credit as of this writing.

I'm not really sure how I "got" here, so to speak.  I've had a few of my cards for a VERY long time - my Discover More dates back to at least 2007 (if not earlier) and my Chase Flexible (used to be a WAMU)  is from around the same time period, as well as a couple of other "minor player" cards.  I had never actually requested a CLI on any of them for years and years, and indeed wasn't actually aware that you could do so - I figured that I was stuck with the limits that they originally gave you.  (And, no, NOBODY had auto-CLI'd either, not in all of the years I'd had it.)  To say that I was uninformed about credit, that's an understatement.

I'd always had a little bit of a "high" profile - the Discover More started out at 9900 CL, which was an astonishingly high limit at the time (and especially considering where I had been only 5 years earlier, with my credit in ruins due to a divorce).  I just never considered that I could get more, or that I deserved more.

Once I came here and started educating myself, I realized that my credit profile wasn't a good fit for me anymore - I had "starter cards" with toy limits still kicking around, cards that I didn't use, cards that were doing nothing for me.  I realized that I could get better, and I did.  I app'd for the Amex BCE first - it gave me 20k right off the bat - and then apped for other current cards, over time (slowly - I apped for maybe 2 cards every 3 months or so), until I have the profile that I do now.  Some things I have kept - that Discover More and the Chase Flexible is still around - but others I've trashed.  Like, say that CapOne Platinum with the 39 buck AF, heh.

I've certainly picked up a lot from my brief time here, and plan to keep hanging around for more good advice.

[Ron1]

Congrats!!!! I know you are excited and happy for your achievement. I didn't know we have that group. Keep up the good work. Next goal will be a million.

Ron.

[msbia]

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@Ron1 wrote:

Congrats!!!! I know you are excited and happy for your achievement. I didn't know we have that group. Keep up the good work. Next goal will be a million.

Ron.

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Hah! Not many of us can reach the level of Ron, the Credit Million Dollar Master. 😉

[Ron1]

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@msbia wrote:

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@Ron1 wrote:

Congrats!!!! I know you are excited and happy for your achievement. I didn't know we have that group. Keep up the good work. Next goal will be a million.

Ron.

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Hah! Not many of us can reach the level of Ron, the Credit Million Dollar Master. 😉

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Sandman is the master of million dollar credit.

Ron.

[msbia]

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@Ron1 wrote:

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@msbia wrote:

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@Ron1 wrote:

Congrats!!!! I know you are excited and happy for your achievement. I didn't know we have that group. Keep up the good work. Next goal will be a million.

Ron.

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Hah! Not many of us can reach the level of Ron, the Credit Million Dollar Master. 😉

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Sandman is the master of million dollar credit.

Ron.

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Yes indeed he is. However, you are the master of deflection; I may not post a lot, but my math is pretty good! 😁