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Prior to these approvals, I only had two cards: Amex Everday ($500) and TD Cash ($3k). After TD reduced my limit from 5k to 3k, I was in the market for another card. PayPal gave me a SL of $1k and Citi gave me a SL of $6.2k.
Current Scores: EQ - 729/ TU - 711/ EX - 690
Hopefully, these new cards will grow over time. Amex and TD have not shown me any love over the past two years. With an income over 150k, my frequent card use, and no missed payments, I would think I'd have much higher limits by now.
Congrats on your new cards.
Congratulations on your approvals and welcome to the forums!
Congratulations on both of your approvals!
Welcome To myFICO Forums and
@Anonymous wrote:Prior to these approvals, I only had two cards: Amex Everday ($500) and TD Cash ($3k). After TD reduced my limit from 5k to 3k, I was in the market for another card. PayPal gave me a SL of $1k and Citi gave me a SL of $6.2k.
Current Scores: EQ - 729/ TU - 711/ EX - 690
Hopefully, these new cards will grow over time. Amex and TD have not shown me any love over the past two years. With an income over 150k, my frequent card use, and no missed payments, I would think I'd have much higher limits by now.
It doesn't matter if you have a flawless record with those creditors. You said last month that you have a 30 day late on a credit card and 60 day late on a personal loan. Your creditors soft pull your reports and they can see your actions with other creditors. It leads me to believe that is why your other limit got chopped and why the floodgates won't open for you as far as credit limits.
@Anonymous wrote:... With an income over 150k, my frequent card use, and no missed payments, I would think I'd have much higher limits by now.
Indignation + dirty file /= recipe for credit-seeking success.
Congrats on your two new cards.
@Anonymous wrote:
@Anonymous wrote:Prior to these approvals, I only had two cards: Amex Everday ($500) and TD Cash ($3k). After TD reduced my limit from 5k to 3k, I was in the market for another card. PayPal gave me a SL of $1k and Citi gave me a SL of $6.2k.
Current Scores: EQ - 729/ TU - 711/ EX - 690
Hopefully, these new cards will grow over time. Amex and TD have not shown me any love over the past two years. With an income over 150k, my frequent card use, and no missed payments, I would think I'd have much higher limits by now.
It doesn't matter if you have a flawless record with those creditors. You said last month that you have a 30 day late on a credit card and 60 day late on a personal loan. Your creditors soft pull your reports and they can see your actions with other creditors. It leads me to believe that is why your other limit got chopped and why the floodgates won't open for you as far as credit limits.
The post you're referring to was from last year not last month. I disputed those errors and it was resolved in my favor. Prior to the dispute, I believe my credit card scores were in the low 600s.