@redpat wrote:
@Credit-hoarder wrote:I like reading OP's posts mainly to gather data points about specific lenders and see their behavior patterns. Then when my scores pick back up again I'll know what to and what not to expect from each one.
I think OP data points become less specific because of their open CL. Very little of the population has that much open credit. In some point in time the data only applies to individuals with similar data.
There are so many variable to a credit decision so one shouldn't focus on one piece of the puzzle. The amount of credit is just one piece along with other factors such as income, employment history, etc... If you limit yourself to focus on one narrow piece of the credit puzzle, you've missed the boat.
(Formerly known as: Credit is my hobby (1.7M)/TCL objective)
@Anonymous wrote:
@12njoy wrote:Lol lol CAPTOOL I can always count on your support for keeping it going since we know I'll never get to a nice round number
You could at least try.
Anything for you CAPTOOL 
@12njoy wrote:I found another prequal offer if Capital One doesn't come through
- You’re Pre-Qualified* for The First Progress Platinum MasterCard® Secured Credit Card issued by Synovus Bank, Columbus, GA
After reviewing your credit profile, we have determined that you are pre-qualified* for The First Progress Platinum MasterCard® Secured Credit Card.
*Approval is not guaranteed. You may be approved for this card with any credit history or credit score, so long as: you do not have a pending bankruptcy filing that has not yet been discharged by the court, you successfully fund your security deposit, and you meet the Income Test and Identity Verification requirements mandated by the government for all credit card applications.
- First Progress Platinum Elite MasterCard® Secured Credit Card
- No credit history or minimum credit score required for approval
- Monthly reporting to all 3 major credit bureaus to establish credit history
- Credit line secured by your fully-refundable deposit of $300 - $2,000 submitted with application
- Receive your card more quickly with new expedited processing option
- 24/7 online access to your account
Lol! That could get you to a round $607,800.
@Anonymous wrote:
@redpat wrote:
@CreditCuriousity wrote:
@redpat wrote:I'm not judging but I do get a laugh when someone posts getting denied with 607k in avail CL. Holy cannoli, what did you expect?
The entertaining part of these forums.
the thing about NJOY is he says oh well laughs it off and moves on
.. He doesn't take denials personally, well other than the BBVA one for a BS reason and got it rectified with a 20k approval lol. He knows denials if part of the game, especially with this much credit.
Never knew credit was a game. Well I take that back since seeing these forums, lol.
It's a game, not literally, but in the same way that the stock market is a 'game.' You take some chances, you're gonna have some denials along the way and it can be fun if you do it right.
Great comments in this thread.
njoy; how long did it take you to amass that amount in TL's?
I have tried to be strategic with my applications and for the most part, I've had success. Obviously there has been some denials along the way but I'm good at picking myself up and keep it moving.
@redpat wrote:
@12njoy wrote:I found another prequal offer if Capital One doesn't come through
- You’re Pre-Qualified* for The First Progress Platinum MasterCard® Secured Credit Card issued by Synovus Bank, Columbus, GA
After reviewing your credit profile, we have determined that you are pre-qualified* for The First Progress Platinum MasterCard® Secured Credit Card.
*Approval is not guaranteed. You may be approved for this card with any credit history or credit score, so long as: you do not have a pending bankruptcy filing that has not yet been discharged by the court, you successfully fund your security deposit, and you meet the Income Test and Identity Verification requirements mandated by the government for all credit card applications.
- First Progress Platinum Elite MasterCard® Secured Credit Card
- No credit history or minimum credit score required for approval
- Monthly reporting to all 3 major credit bureaus to establish credit history
- Credit line secured by your fully-refundable deposit of $300 - $2,000 submitted with application
- Receive your card more quickly with new expedited processing option
- 24/7 online access to your account
Lol! That could get you to a round $607,800.
CAPTOOL, what do you think $607,800? Is that round enough for you? Should I go for it?
@redpat wrote:
@12njoy wrote:
@redpat wrote:
@Credit-hoarder wrote:I like reading OP's posts mainly to gather data points about specific lenders and see their behavior patterns. Then when my scores pick back up again I'll know what to and what not to expect from each one.
I think OP data points become less specific because of their open CL. Very little of the population has that much open credit. In some point in time the data only applies to individuals with similar data.
There are so many variable to a credit decision so one shouldn't focus on one piece of the puzzle. The amount of credit is just one piece along with other factors such as income, employment history, etc... If you limit yourself to focus on one narrow piece of the credit puzzle, you've missed the boat.
No boat to miss. I would never use your information because it doesn't apply. I know my variables of information as it factors to me. Credit cards are just one piece of credit usage. My Banker would call all my business lines of credit if I went out to get 607k of CC and then have me committed, lol.
You've missed it trust me. You wouldn't necessarily have to have 607k to have your lines cancelled. It's all relative to your portfolio. Let's not make this personal as to "my information". Information is information. If I applied for Chase cards with 500k+ and others did also and they had 25k in lines, the information is useful using your analogy. And in that case (real situation) was useful to a lot of people who had far less than 607k in TL's.
@Anonymous wrote:What's your income like, if you don't mind me asking? And as for the new pre-qual...isn't it a secured card? I thought you were only going for unsecured credit...
Income 110k and I was being sarcastic with the secured card post.
@12njoy wrote:
@Anonymous wrote:What's your income like, if you don't mind me asking? And as for the new pre-qual...isn't it a secured card? I thought you were only going for unsecured credit...
Income 110k and I was being sarcastic with the secured card post.
Welp TIL I don't sarcasm 
Here's to seeing you hit 750k! I'm sure you can find another CU or three that will approve you for 20k+ limits