If you make 25k is it...

[Anonymous]

Thanks guys im curently at 17.6 k total.

[Anonymous]

@saeren very impressive line of cards you have

[Anonymous]

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@Anonymous wrote:
@saeren very impressive line of cards you have

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Thanks. I don’t really know how I manage to get them all to be honest with you. I guess they see $18K and figure I’ll be carrying balances and paying interest charges. 

I am curious to see what happens when I don’t have a BK on my report anymore though. 

I could have picked up some more accounts if I was willing to get accounts just to have them but I try to get cards I’ll use although two of my CU cards I keep just because they’re CU cards. 

[CreditInspired]

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@Anonymous wrote:
Possible to get 50 k of revolving credit total limits ?

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As everyone has said, it's absolutely possible; but there's a caveat, as I'm sure you know. Everything else in the credit profile has to align--scores, UT, AAOA, low inqs, and no baddies in order to get modest SLs. And, it doesn't happen overnight. But with patience and focus, it indeed can and will happen.

[Anonymous]

I make $0 and have never held a job and have 30,000 not counting Amex Charge spending limits (about another 70k according to "Check SPending Limit")

Of course that's not literally true. But I worked in Canada and have never earned a penny in the US. The reason I'm mentioning it is once you've demonstrated an ability to use your credit responsibly, they don't much care where the money comes from.

[Anonymous]

Sounds good

[Anonymous]

sure ez peezy ,,,i have seen myfico peeps with more than 50k and 15k income,,,

[Anonymous]

In terms of a goal credit limit, a generous formula would be 20 times your normal monthly spending.

This would let your utilization stay around 5% and still stay around 10% during heavy spending times.

So while you could get 50K, it's not going to of any particular benefit to you.

[Meanmchine]

Score, Total Util, and payment history >>>>> income

[CreditInspired]

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@Anonymous wrote:

I make $0 and have never held a job and have 30,000 not counting Amex Charge spending limits (about another 70k according to "Check SPending Limit")

Of course that's not literally true. But I worked in Canada and have never earned a penny in the US. The reason I'm mentioning it is once you've demonstrated an ability to use your credit responsibly, they don't much care where the money comes from.

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Oh, they CARE where the money comes from . Don't even think that if a credit card company has an inkling that the spend is manufactured or the payments are from suspicious sources, they'll shut you down, without notice, faster than you can say 1-2-3. Now, I know you didn't mean this literally, but I still had to poke fun at it.