Wanting to App Spree Need Help

[Anonymous]

I have 40k usage and 124k total. 740 FIco

I want 200k

waiting for CLI on Amex

Been in Garden for over a year 1 hp on Exp 2 Hp on TU

Need HIGH limit Cards

[Anonymous]

You have $40k in CC debt now on $124k in credit lines?  That's over 30% aggregate utilization, so applying for more credit probably isn't a smart move.

Could you pay off that $40k tomorrow if you wanted to?  $40k IMO is a lot of CC debt.  I have no clue what your income is, but if it's in the range of an average American salary I would say $40k in CC debt is significant.  My advice would be to pay your balances off before considering apping for anything else, much less a spree.

[Anonymous]

Venture seems to hand out high limits if you don't already have it..

[Appleman]

You actually want to get to $445,000 in credit to get your utilization down to 9%. (kidding)

Rather than go for more credit card limits, have you looked into a personal loan? Even though you will have the same amount of debt, FICO will score a personal loan differently from credit card debt and your scores should see a good bump.

I recommend that you begin to budget if you do not already. Not creating new debt and paying off the current debt is the best option.

[medicgrrl]

It's difficult to determine if OP means they have 40k/yr in usage or a balance of 40k.

Besides high limits, is there something else you're looking for, such as better cash back, BT offers, travel cards etc?

[Anonymous]

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@medicgrrl wrote:

It's difficult to determine if OP means they have 40k/yr in usage or a balance of 40k.

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I can only see this being a balance.  Any time I see a single sentence with a number followed by total credit limits, usually the number before the total credit limits are current balances.

OP, you never said why you want more cards with higher limits and/or why you are gunning for $200k in credit lines.  Is there a reason behind this?

[Anonymous]

400k gross a year business

[Anonymous]

25k to 60k a year in usage

[medicgrrl]

Is there anything else you're looking for besides high SL?  Are you wanting personal or business cards?

[Anonymous]

I just want to see what I can get. I can payoff 28k almost immediately if wanted. Trying for 2nd Home Mortgage and a Refinance. Have 2 businesses too.