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Congratulations to you!!!
Loll at 23 years old I wasn't THINKING about CLI's and CC's - and that was...well years ago! To read about how you are handling things with such responsibility and 'financial maturity' is good to see.
I truly wish you the very best in your financial journey - keep up the great work!
Congrats!!!
"... Now my fear is being told to close some of my high limit accts to be approved for a larger ticket item haha...."
If that's what it takes to achieve the higher goal... then so be it. You've employed these cards to work for 'you', each of them has a specific goal or 'job' if you will - whether it be raising FICO's, earning Points, free food, gas, miles, etc. they each are sent out daily, weekly, monthly to acquire certain things.
At some point in your journey you may be asked to play a move on the "Credit Chess Board" which would cost you a 'pawn' but you'd gain a 'bishop' in its place - so no worries, you're savvy enough to know when to make that move.
(a little dramatic on the example but just painting a picture) that's all.
@HindSight_20_20 wrote:"... Now my fear is being told to close some of my high limit accts to be approved for a larger ticket item haha...."
If that's what it takes to achieve the higher goal... then so be it. You've employed these cards to work for 'you', each of them has a specific goal or 'job' if you will - whether it be raising FICO's, earning Points, free food, gas, miles, etc. they each are sent out daily, weekly, monthly to acquire certain things.
At some point in your journey you may be asked to play a move on the "Credit Chess Board" which would cost you a 'pawn' but you'd gain a 'bishop' in its place - so no worries, you're savvy enough to know when to make that move.
(a little dramatic on the example but just painting a picture) that's all.
I love that! and yes OP I would rather have a bank tell me they need me to close something to be able to buy something but I have never had that happen to me besides Bank of America in the past saying no CLI but they would be happy to take from another limit at Bank of America (dislike them anyway) I'm all for CLI... If you keep building credit, and they want to keep increasing it, I say take it... especially when it's only a SP!
Nice increase! I love Dillards.
Congratulations!