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$100k Club and Credit Limit Increases

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Valued Contributor

$100k Club and Credit Limit Increases

Hello all, its been 15 months since getting my first credit card on my 18th birthday. I today joined the ranks of the $100k club after requesting some CLIs. I have all my buereaus frozen so they were all either SPs or they didn't check credit. 

 

CareCredit: $9.0K ------> $15.0K (Requested $10k increase on Ritani Card, Rep processed for this card instead, they countered the $10k with $15K?  Smiley Wink (Opened 11/2016, very little use)

Ritani: $1.2k ------> $10.0k (Requested $10k got $10k) (Opened 2/2017, no usage)

Lowes: $10.0k ------> $17.0k (Requested $25k countered at $17k) (Opened 11/2016, very little use so far)

CheapOair Visa $2.0k (Denied) (Opened 2/2017, heavy use)

 

Total for all increases $21,800 

Message 1 of 16
15 REPLIES 15
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Regular Contributor

Re: $100k Club and Credit Limit Increases

ncie! congrats OP! Slowly working my way there....

Message 2 of 16
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Community Leader
Mega Contributor

Re: $100k Club and Credit Limit Increases

Nice job Ty, you are way ahead of the game. Here comes my average joe question, lol , but what pray tell is the Ritani card? ThanksSmiley Happy
Message 3 of 16
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Valued Contributor

Re: $100k Club and Credit Limit Increases

Very Nice!! You are killin' it at such a young age. Keep up the good work!!

American Express Business Gold(NPSL 10k) Chase CSP (25k) BofA CR Siggy (20.8k) BofA BBR (22.1k) Amex BCP(4.1k) Overstock (21.1K) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Care Credit (15k) J Crew( 11.9k)Venture WMC (10.25k) Amex Everyday (1k) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(4.5k☝️) PayPal Cashback Mastercard (8k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (9.5K) Citi Double Cash (8.5k) Fidelity® Rewards Visa Signature® Card (6.5K) PenFed PCR (5K) PayPal Credit (4550)Discover (500✌️) Kohls (3k) Chase Freedom (1500)

Mortgage May 2017 - 2 auto loans (1 PenFed and 1 Navy) Aug 2018=98K
Gardening until June 2021

FICO 8 Scores EX 700 EQ 696 TU 703
AAOA 5.2yrs TCL=268,700
Message 4 of 16
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Valued Contributor

Re: $100k Club and Credit Limit Increases


@tydawg wrote:

Hello all, its been 15 months since getting my first credit card on my 18th birthday. I today joined the ranks of the $100k club after requesting some CLIs. I have all my buereaus frozen so they were all either SPs or they didn't check credit. 

 

CareCredit: $9.0K ------> $15.0K (Requested $10k increase on Ritani Card, Rep processed for this card instead, they countered the $10k with $15K?  Smiley Wink (Opened 11/2016, very little use)

Ritani: $1.2k ------> $10.0k (Requested $10k got $10k) (Opened 2/2017, no usage)

Lowes: $10.0k ------> $17.0k (Requested $25k countered at $17k) (Opened 11/2016, very little use so far)

CheapOair Visa $2.0k (Denied) (Opened 2/2017, heavy use)

 

Total for all increases $21,800 


Congrats to the $100 club!  You seem so dedicated to the credit world! Smiley Very Happy

Message 5 of 16
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Valued Contributor

Re: $100k Club and Credit Limit Increases

Congratz and Welcome to the 100k club.

 

Keep it up and your AAOA when your a little older is going to be amazing.

 

Wish I would have known and started at 18-19 and kept my credit pristine.

CU's FTW! Best 3 cards are AOD 3%, USAlliance 3%, and Alliant 2%.
It's sad when the Big Boys can't stack up against CU's!
250k+ CL and climbing.
Plastiq Get 500 FFDs. 1225384 Acorns July 2019 53FTE4
Message 6 of 16
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Established Contributor

Re: $100k Club and Credit Limit Increases

My thoughrs exactly. Haha
eq 757 ex 762 tu 763 Chase Amazon 5000 citi double cash 4300 Citi TYP 8100 Cap1 Quicksilver Visa Sig 10000 Walmart MasterCard 6600 Big Sandys 4000 Best Buy 5100 LLbean 2300 Cashforward 17500 Sam's Club 10000 Discover Card 10000 bluecash 5800 everyday 10000 boa americard 20300 boa cash rewards 7000 marvel 10000
Message 7 of 16
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New Contributor

Re: $100k Club and Credit Limit Increases

Congrats on your accomplishment and on getting proactive with it at such a young age! Way to go!

Our Journey Click to read our storyOur Cards: Me:   Him:   Our Future Cards: USAA Limitless | AmEx BP | BJs Perks Elite | Chase Freedom | Sam's MC | Costco
05/17 - Me: 595EX 570EQ 602TU  Him: 740EX ???EQ ???TU  4/17 - Me:  558EX 546EQ 602TU 671TU surprisedHim: No CR/Score!
Short Term Goals: Me: All 640+, Refi Auto Loan | Him: All 650+, Mortgage-Approved | US: New house before April 2018
Long Term Goals: Me: All 850, 2 low util HELOCs, 2 new cars | Him: All 800+, new truck & mtrcl, dental work | US: 1 low util HELOC

Message 8 of 16
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Established Contributor

Re: $100k Club and Credit Limit Increases

Congrats on joining the $100k club.  You can make some pretty awesome decisions now.  I am at $115k.  I am cancelling a $5,250 Total Rewards Visa card in the next several days.

 

I remember the day I got my CSP, my first $5k card.  I felt so grown up.  Lots of people would feel so accomplished with a $5k CC and here I am cancelling one.

 

I hope and pray I never again face financial diffculty and have to go through that process again.  This credit game can consume alot of your time.  I could walk away from this site now but it's so powerful and consuming.

Message 9 of 16
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Established Contributor

Re: $100k Club and Credit Limit Increases

Congrats!!!! Working my way towards that same goal. Wish I had taken care of my credit when I was your age and younger. Just remember, it is much easier to keep your credit good than to have to repair it. So don't take what you have done for granted. Stay on top of it and keep going. Congrats again.

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