Been working on fine tuning my credit portfolio the past few days. Mainly working on raising my average credit limit at this point. Closed 3 Citi cards - Home Depot store, Shell gas, Citi Double Cash, and an old HSBC turned PF/CP card. All where less than $1K CL cards except the HD at $5.5K. Ever since getting completely burned by fraud on a Citi Best Buy store card a few years ago, I've been a bit apprehensive about having any other Citi cards...so I closed every one I had. Also started looking at options to replace any Sync cards I had, given the threads I've read about random broadband CLD and account closures..and I'm sitting here with 7 Sync cards totalling around $50K CL combined. I've never had any problems with Sync before, but losing that kind of CL or having a card instantly go to maxed out wasn't the kind of risk I wanted to take.
I'm at that point in my life finally where I'm not relying on credit cards to survive day to day anymore, no longer doing the BT shuffle every year, starting to move checking/savings balances to higher yield accounts, and looking more at the perks on credit cards rather than just simply focusing on zero AF and lowest interest rates because I'm not carrying balances every month.
I use my Verizon Visa, Lowes, and Amazon store cards regularly for the % off and autopay discounts. Not much I can do to replace the Verizon and Lowes cards, but I was reminded that Chase does an Amazon card in another thread. App'ed, and approved at $20K SL. Still have a hard time wrapping my head around these high SLs, as it seems like it was just a few short years ago that I was getting flat denied for deep subprime secured cards after absolutely destroying my credit score...it's actually been over a decade since those days, but some days it feels like only yesterday, lol.
Current scores - 743TU, 4INQ. 756EQ, 2INQ.
Baddies - 1 CO from that Best Buy nightmare a couple years ago, and two 30 day lates from 2022. 1 each on different accounts.
$105K income, 17% UTL (sitting on two 0% cards, with enough in savings to pay them off the day the 0% expires), ~$130K total credit line across 24 cards. Existing 1 year old NFCU $25K card, 8 year old Discover $17K, 4 other $10K cards, with the remaining cards running between $800 and $7000 CL.
Existing relationship with Chase - had a mortgage through them for a couple years 8 years back that got sold to Flagstar, have had checking/savings with them for years, and a Freedom opened in 2014, Slate opened in 2015 that I combined limits on to $10K on the Freedom, closing the Slate about 6 hours before appyling for the Amazon.
I didn't get any hits on INQs through Credit Karma, so I'm _assuming_ it was a SP.
