cancel
Showing results for 
Search instead for 
Did you mean: 

Qvc cli and now over 100k

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Frequent Contributor

Qvc cli and now over 100k

So i recently was able to get my Qvc card to 10,000 after being at 3,500 for the past 3 months.{ started at 400 a year ago}I know i know, what can you do with a 10,000 limit on a Q card? Well alot. I'm a woman and they have a ton of stuff they sell and i love the easy payments Smiley Happy

Anyway with that and a bunch of other cli on various cards i am now well over 100k available credit. I have seen some posts from people having goals to get to 100, 250 and even 500k for total available credit limit. My question is does that do anything for your score, when you get a certain amount of available credit, or is it just for personal satisfaction?

Experian 718
Equifax 716
Transunion 708

412K total credit lines. 64k income .
Credit unions: Member of NFCU, Penfed, BECU, Alliant, Mountain America, and Unify. Credit cards with all except mountain America and unify. Waiting until some inquiries fall off.

Starting paying attention to credit in 2017.
No negative or baddies .
AAOA just at 2 years.
Lol/24
Utilization 5%

No mortgage , no car payment .

Inquiries: Experian- 56- Equifax -38- Transunion-32
More than half on all 3 bureaus falling off this year.

Cards I want to get for one reason or another: Sephora- Carter’s- key bank-starbucks- boa Alaska and I’m sure many more that I have not thought about.??‍♀️

Geo restricted from fifth/third, bbva and all the other banks that give out cards like candy. ?

Idaho resident. ?




Message 1 of 12
11 REPLIES 11
Valued Contributor

Re: Qvc cli and now over 100k

Great! Now you can buy a few hundred knife sharpeners on In the Kitchen with David! Smiley Tongue

j/k Smiley Very Happy

Message 2 of 12
Frequent Contributor

Re: Qvc cli and now over 100k

Lol! I know right, it's not a "sought after " card on here that's for sure , but to me it's been great . I just got my husband a sound bar from them for Christmas , and many of the Josie maran lotions for my sisters and mom . And looking at a kitchen aid mixer and various other things. I like the easy pay the most about the card Smiley Happy
Experian 718
Equifax 716
Transunion 708

412K total credit lines. 64k income .
Credit unions: Member of NFCU, Penfed, BECU, Alliant, Mountain America, and Unify. Credit cards with all except mountain America and unify. Waiting until some inquiries fall off.

Starting paying attention to credit in 2017.
No negative or baddies .
AAOA just at 2 years.
Lol/24
Utilization 5%

No mortgage , no car payment .

Inquiries: Experian- 56- Equifax -38- Transunion-32
More than half on all 3 bureaus falling off this year.

Cards I want to get for one reason or another: Sephora- Carter’s- key bank-starbucks- boa Alaska and I’m sure many more that I have not thought about.??‍♀️

Geo restricted from fifth/third, bbva and all the other banks that give out cards like candy. ?

Idaho resident. ?




Message 3 of 12
Established Contributor

Re: Qvc cli and now over 100k

What income level are you at?  Just curious.

 

Thanks.

~~~Rebuilding Score History~~~
Starting Ficos: EX 541, EQ 493, TU 523 (07/02/2016)
Latest Ficos: EX 659, EQ 696, TU 739 (02/24/2018)
1st Goal Ficos: EX 700, EQ 700, TU 750 (12/31/2018)
~~~Credit lines~~~~
BofA Platinum Plus: $2000
Capital One Platinum: $500
Discover It: $10,500
Chase Freedom Unlimited: $6400
Home Depot: $500
BofA Cash Rewards: $1500
Lowe's: $1000

My Credit Rebuild


Take the myFICO Fitness Challenge
Message 4 of 12
Frequent Contributor

Re: Qvc cli and now over 100k

51,000. Score is 758
Experian 718
Equifax 716
Transunion 708

412K total credit lines. 64k income .
Credit unions: Member of NFCU, Penfed, BECU, Alliant, Mountain America, and Unify. Credit cards with all except mountain America and unify. Waiting until some inquiries fall off.

Starting paying attention to credit in 2017.
No negative or baddies .
AAOA just at 2 years.
Lol/24
Utilization 5%

No mortgage , no car payment .

Inquiries: Experian- 56- Equifax -38- Transunion-32
More than half on all 3 bureaus falling off this year.

Cards I want to get for one reason or another: Sephora- Carter’s- key bank-starbucks- boa Alaska and I’m sure many more that I have not thought about.??‍♀️

Geo restricted from fifth/third, bbva and all the other banks that give out cards like candy. ?

Idaho resident. ?




Message 5 of 12
Super Contributor

Re: Qvc cli and now over 100k

I didn't even know that QVC had a card.  Who issues it?  What are the perks associated with it?

Message 6 of 12
Frequent Contributor

Re: Qvc cli and now over 100k

It's issued by synchrony bank. The perk is the easy pay option. Whatever your purchase amount is its divided into 3 monthly payments . So you pay over time . Plus the also have deferred interest on stuff which is no interest if you pay your balance in full by a certain time . Nothing terribly exciting but I really get a lot of use out of the card .
Experian 718
Equifax 716
Transunion 708

412K total credit lines. 64k income .
Credit unions: Member of NFCU, Penfed, BECU, Alliant, Mountain America, and Unify. Credit cards with all except mountain America and unify. Waiting until some inquiries fall off.

Starting paying attention to credit in 2017.
No negative or baddies .
AAOA just at 2 years.
Lol/24
Utilization 5%

No mortgage , no car payment .

Inquiries: Experian- 56- Equifax -38- Transunion-32
More than half on all 3 bureaus falling off this year.

Cards I want to get for one reason or another: Sephora- Carter’s- key bank-starbucks- boa Alaska and I’m sure many more that I have not thought about.??‍♀️

Geo restricted from fifth/third, bbva and all the other banks that give out cards like candy. ?

Idaho resident. ?




Message 7 of 12
Established Contributor

Re: Qvc cli and now over 100k

Well done!

Message 8 of 12
Super Contributor

Re: Qvc cli and now over 100k


@Creditcollector wrote:
It's issued by synchrony bank. The perk is the easy pay option. Whatever your purchase amount is its divided into 3 monthly payments . So you pay over time . Plus the also have deferred interest on stuff which is no interest if you pay your balance in full by a certain time . Nothing terribly exciting but I really get a lot of use out of the card .

Gotcha.  Do they still show that 3 easy payments thing on the screen when watching QVC?  I have not turned that channel on in probably 20 years, but back when I last saw it they'd show the price of an item, but then show it could be paid in 3 easy payments of X.  Is that sort of the basis of the card?

Message 9 of 12
Frequent Contributor

Re: Qvc cli and now over 100k

Yes that's exactly how it is still. Always 3 easy payments if you have a card and it's still showed on the screen how the price is broken down . They also do deferred interest on some items I got a sound bar for Christmas with no (deferred) interest as long as I pay it off in 6 months .😀
Experian 718
Equifax 716
Transunion 708

412K total credit lines. 64k income .
Credit unions: Member of NFCU, Penfed, BECU, Alliant, Mountain America, and Unify. Credit cards with all except mountain America and unify. Waiting until some inquiries fall off.

Starting paying attention to credit in 2017.
No negative or baddies .
AAOA just at 2 years.
Lol/24
Utilization 5%

No mortgage , no car payment .

Inquiries: Experian- 56- Equifax -38- Transunion-32
More than half on all 3 bureaus falling off this year.

Cards I want to get for one reason or another: Sephora- Carter’s- key bank-starbucks- boa Alaska and I’m sure many more that I have not thought about.??‍♀️

Geo restricted from fifth/third, bbva and all the other banks that give out cards like candy. ?

Idaho resident. ?




Message 10 of 12
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.