Harbor Freight credit limit increased to $6000

Lest · ‎11-22-2022

I laughed so hard when I got $6000 from prior $2000 limit. It is a store card, can't use anywhere else. What do they expect me to buy on that $6000? Buy out the whole local store?

Aim_High · ‎11-22-2022

Congratulations on your monster $6K Harbor Freight credit limit approval, @Lest.

Maybe they think you need both a 9 HP Towable Backhoe *and* a 9500-watt generator?? $3,499.99 + $2,399.99

That would be a pre-tax balance of $5,899.98 with just two items before taxes. So yes, they do sell some more expen$ive items. They wouldn't want you to stop short of your dreams due to no credit, right? Lol

Business Cards

Length of Credit > 40 years; Total Credit Limits >$936K
Top Lender TCL - Chase 156.4 - BofA 99.9 - CITI 96.5 - AMEX 95.0 - NFCU 80.0 - SYCH - 65.0
AoOA > 31 years (Jun 1993); AoYA (Oct 2024)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.

cashorcharge · ‎11-22-2022

WooHoo!! Congratulations on your Harbor Freight Approval!!👏🏼🍾🥂

M_Smart007 · ‎11-22-2022

Congrats on your Harbor Freight CLI

KingRue8500 · ‎11-22-2022

Congrats on your Harbor Freight CLI

CreditAggie · ‎11-23-2022

Congratulations on your Harbor Freight CLI!

Current Cards (in order of approval):

Current FICO 8 | 9 (April 2025):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

IamWesty12 · ‎11-24-2022

@Lest that is quite an increase.....enjoy??? Congrats! Seriously though, even if you won't ever need that high a SL, look at the bigger picture...you are doing great managing your credit and finances, so much so that you were given a credit increase that will last you for years!!

Starting Score: 461
Current Score: 689
Goal Score: 775

Take the myFICO Fitness Challenge

citymunky · ‎11-25-2022

$6k buys you their large ICON tool box

Rebuilding since 2021

Closed CCs
USAA (Jul 2019| Settled CO), Jasper $1K CL (Jul21-Jul22), Sable $250CL{Secured} (Jan22-Jun23), CreditOne Platinum $750CL (Jul21-Aug23), Prosper $1.9K CL (Jan22-Apr24), Self $625 CL {$350 Secured } (Aug21-Jul24)

Starting FICO 8 Scores:

Current FICO 8 Scores:

Rex95 · ‎12-04-2022

Sweet!! I needed a backhoe!

Scores - EX: 808, TU: 803, EQ: 806
Chase Sapphire Preferred - $15,000
United Quest - $15,000
United Gateway - $7,600
Amex Gold - $18,300 POT
Amex BCE - $20,200
Amex/Schwab Investor Card - $11,500
PayPal Credit - $2,500

DebbsSeattle · ‎01-24-2025

HF is not a high priority card to have your wallet unless you are a homeowner or a blue collar working professional, but if you are in those demographics a $6k limit is just barely enough. For those of us that have a line item in the annual budget for tools and the like, it is a great card to have. It cushions your total credit and allows for a tool to join the collection at 0% for 6/12/24 months without exceeding 28.9% if the credit limit is high enough. Enjoy the win.