$50,000 IN ONE YEAR! JUST CROSSED MY FIRST LARGE CREDIT GOAL A FEW MINUTES AGO!

[pc01user]

Congratulations! Now others will know it is doable. Onward and Upward!

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[Anonymous]

Congrats!!!!

[sunni_one]

Nicely done!  Congrats!!

[Man-Of-Steel]

Well done!  Congratulations on what you've accomplished so far. 

[redpat]

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@Anonymous wrote:

With the love Synchrony just showed me on my Walmart card I got a CLI from $1,500 to $3,500 just now and that put my total revolving credit lines at over $50,000 now. I started my credit journey a year ago last May and am amazed all I have learned from this site from CLI to SP to HP including those magical backdoor numbers, how to recon and never accept no for an answer. I have learred that 16 or 17 days is a lucky number when it comes to Discover and that Synchrony with a little time and strategy is handing out CLI like candy if your credit file is in play and they like what they see. I have done my homework on this site read over 5,000 posts and always kept up on my scores to the moment and with all you great people offers in advice and knowledge I too have now benefited from learning the credit game. This sites pays for itself thousands of times over. So a great thank you to the whole forum and I look forward to my next goal of hitting $100,000 in the near future.

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That's great and I hate to be a kill joy but why a 100k?  Why not look at what you a have, consolidate and go after quality rather than quantity .  

No question these forums helped me.  I have learned that it's about managing credit and developing  a cc portfolio of quality cards that fit your needs.

Your 50k revolving lines are only perceived availability.  If your utilization becomes to high, as quick you had 50k can result in cld's.

In addition, having so much credit can limit you for opportunities for a card you really want.

Good luck!

[securingourfuture]

Congratulations! 

[Anonymous]

It is all a part of a strategy to not only reduce my utility level much quicker with limited funds, but at the same time improve the quality of my credit as well. $100,000 is just a step to where I really want to get.  As I joke with my friends I want to have a credit line large enough to choke a whale. In my business credit is everything, then cash. That kind of credit creates a freedom and allows me to make financial moves I would normally not be able to make. When thinking outside the box. Used responsibily it only increases my chances of succeess in this ever growing world which revolves around credit now, unlike the past where cash was king. Than you for input and good luck.

[redpat]

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@Anonymous wrote:

It is all a part of a strategy to not only reduce my utility level much quicker with limited funds, but at the same time improve the quality of my credit as well. $100,000 is just a step to where I really want to get.  As I joke with my friends I want to have a credit line large enough to choke a whale. In my business credit is everything, then cash. That kind of credit creates a freedom and allows me to make financial moves I would normally not be able to make. When thinking outside the box. Used responsibily it only increases my chances of succeess in this ever growing world which revolves around credit now, unlike the past where cash was king. Than you for input and good luck.

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I'm in business and have a bank credit line.  I have a relationship with my commercial lender and they hate individuals with too much cc availability.  It does limit your business lines.  It all about balance, cc, credit lines and term debt.  Cash is still king because that is what is need to pay debt, lol!

[jamie123]

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@redpat wrote:

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@Anonymous wrote:

It is all a part of a strategy to not only reduce my utility level much quicker with limited funds, but at the same time improve the quality of my credit as well. $100,000 is just a step to where I really want to get.  As I joke with my friends I want to have a credit line large enough to choke a whale. In my business credit is everything, then cash. That kind of credit creates a freedom and allows me to make financial moves I would normally not be able to make. When thinking outside the box. Used responsibily it only increases my chances of succeess in this ever growing world which revolves around credit now, unlike the past where cash was king. Than you for input and good luck.

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I'm in business and have a bank credit line.  I have a relationship with my commercial lender and they hate individuals with too much cc availability.  It does limit your business lines.  It all about balance, cc, credit lines and term debt.  Cash is still king because that is what is need to pay debt, lol!

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I agree with you 100%. Does'nt OP make it sound like there is another 2008 waiting to happen?

[redpat]

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@jamie123 wrote:

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@redpat wrote:

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@Anonymous wrote:

It is all a part of a strategy to not only reduce my utility level much quicker with limited funds, but at the same time improve the quality of my credit as well. $100,000 is just a step to where I really want to get.  As I joke with my friends I want to have a credit line large enough to choke a whale. In my business credit is everything, then cash. That kind of credit creates a freedom and allows me to make financial moves I would normally not be able to make. When thinking outside the box. Used responsibily it only increases my chances of succeess in this ever growing world which revolves around credit now, unlike the past where cash was king. Than you for input and good luck.

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I'm in business and have a bank credit line.  I have a relationship with my commercial lender and they hate individuals with too much cc availability.  It does limit your business lines.  It all about balance, cc, credit lines and term debt.  Cash is still king because that is what is need to pay debt, lol!

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I agree with you 100%. Does'nt OP make it sound like there is another 2008 waiting to happen?

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Yes.  Sorry for typos, iPad is acting up!