@JJ1300 wrote:
I'm not sure exactly what you mean by this "I don't understand why you have scores in the early 700s yet were approved for higher SLs with a bad history that is now off your reports." That bad history is just that, history. So it wasn't used as part of any of these recent credit determinations. My scores were in the mid to upper 7's previously and I have had some cards with 17-25K lines for quite awhile now. I'm guessing that may have played a role. My income is also 300K+, so I'm guessing that could play a role too. I currently have 31 open revolvers reporting with about a dozen of those showing balances. I also have 5 closed revolvers that are reporting. I have 2 open primary mortgages, a closed mortgage from a refi and a paid off HELOC. I also have 18 installment loans reporting (14 paid off and 4 open). Synchrony tends to give high limits once you establish a relationship with them, especially Lowe's and CareCredit. Penfed and NavyFed. Citi has always been stingy. I was shocked when Home Depot (Citi) increased to 17,500. Synchrony also is the Queen of soft pulls. Freezing your credit (just in case) and requesting CLI's periodically on all your synchrony accounts is a great strategy.
Last, I actualy DID do my soft pulls with Synchrony and tried a few others BEFORE unfreezing my credit reports.
Well that explains it! That's why you had higher SLs than me but at a lower score. I don't have anywhere close to $300k income or mortgages. With that kind of income you could probably afford one of those fancy homes in the Missouri Ozarks that they feature on the Lakefront Empire HGTV show. I only have $10k as my highest credit limit on one card too. Sorry to confuse you I really meant to say that you have just lower scores than me (which I will have to update in my siggy as Equifax went up to 803 the other day!). That's a lot of open credit types but am glad you are more responsible!
BTW, it is confusing to know who you replied to. You can use the Quote button to highlight which post ur replying to for easier reference.
As of: 8/15/25:
EQ: 783 (prev. 798 on 1/10/25; 794 on 12/19/24; 781 on 9/20/24; 747 on 8/7/24; 781 on 7/1/24; 785 on 3/28/24. 778 on 2/6/24; 773 on 1/26/24; 750 on 1/7/24; 626 on 6/7/23 & 652 in April 2023) - FICO 8
EX: 766 (prev. 769 on 1/10/25; 767 on 10/26/24; 751 on 9/20/24; 729 on 8/7/24; 752 on 7/1/24; 761 on 755 on 2/6/24; 753 on 1/26/24; 732 on 1/7/24; 643 on 6/7/24; 619 in April 2023) - FICO 8
TU: 773 (prev. 768 on 1/10/25; 771 on 12/3/24; 756 on 9/6/24). - FICO 8.
Have:
- Amazon Prime Store Card: $10,000
- Amex Blue Cash Everyday (AU): $10,000
- Capital One Savor Cash Rewards: $3,600
- Chase Freedom Flex: $1,000
- Citi Custom Cash: $9,200
- Citi Double Cash: $8,000
- Citi Rewards +: $5,800
- Discover it Cashback: $2,500
- Kohl’s Charge: $3,000
- Mercury Rewards Visa: $4,390
- PayPal World Cashback MasterCard: $5,500
- Super Cash: Limit varies based on debit balance - doesn't show up in accounts anymore though on CRs.
