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Good Morning all.... I have had alot of luck in getting some cli's on some of my cards due to the holiday season. I didnt need any of it but why pass over the presents from the ccc's around this time.. I know i have alot of credit cards but i think i manage them well... Here is the LONG list of them...I use a spreadsheet to keep up with everything....
ALLIANT CC 12.24% 5,000
AMAZON STORE CARD 25.99% 5,000
AMAZON VISA 21.24% 5,000
AMEX BLUE 10.24% 13,500
AMEX BLUE CASH EVERYDAY 0.00% 5,000
AMEX CLEAR 0.00% 5,000
BARCLAYS APPLE 22.99% 10,000
BB HSBC MASTERCARD 22.99% 1,200
BB STORE CARD 25.24% 6,000
BOA MC 11.99% 7,500
BOA VISA 11.24% 8,500
CAPITAL ONE CASH REWARDS 0.00% 3,000
CAPITAL ONE MC 14.90% 4,450
CAPITAL ONE VISA 15.90% 1,400
CHASE MC 10.24% 6,700
CHASE MC 22.24% 5,500
CITI DP MC 10.74% 4,650
CITI MC 10.74% 9,020
DILLARDS 21.99% 9,000
DELL FINANCIAL 27.24% 2,500
DISCOVER 17.99% 11,500
FIRST TECH CU 10.50% 10,000
FTN CC 5.15% 8,000
JC PENNEY 26.99% 9,000
MACYS 22.90% 5,000
NATIONWIDE CC 11.24% 10,000
NFCU CASHREWARDS 10.65% 25,000
NFCU MC BALANCE 9.99% 25,000
NFCU NAVCHECK 14.90% 10,000
NFCU VISA BALANCE 9.99% 25,000
ORION 11.99% 7,500
PENFED 9.99% 7,500
PENFED PROMISE 7.49% 5,000
PSECU PSL 12.90% 20,000
PSECU VISA 9.90% 20,000
SAMS DISCOVER 19.90% 13,000
SAMS STORE 20.87% 12,000
SCFCU 13.80% 4,000
SDFCU 6.99% 15,000
SEARS MASTERCARD 25.24% 8,000
TARGET 22.90% 1,000
U S BANK 13.99% 6,500
USAA AMEX 10.90% 14,000
USAA MASTERCARD 9.90% 8,000
WALMART DISCOVER 22.90% 12,000
WALMART STORE 19.87% 9,000
Dear...LORD...my head is STILL spinning looking at that list!!! what do your scores look like with that extensive collection of cards?!
Oh... my scores are 789 (walmart), 772 (PSECU)
I just wanted to stop by and articulate that your credit lines total $434,920.00
Capital One Quicksilver- $5,400 | Chase Freedom - $8,000 | Chase Freedom Unlimited- $13,000 | Chase Amazon -$5,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 | Fidelity Visa -$10,000 | Sallie Mae- $10,000 | DCU Platinum $12,000 | Discover IT - $10,000 | Amex EveryDay - $25,000 | Amex BlueCash Everyday- $9,800 | Citi DoubleCash - $18,000 | Sapphire Preferred- $13,000 | Freedom Unlimited- $7,000 | Blispay- $12,000 | Chase Sapphire Reserve- $18,000 | Consumers Credit Union Visa Sig Cash Rebate- $25,000
@Gemini wrote:Oh... my scores are 789 (walmart), 772 (PSECU)
That's fantastic! You are very responsible with your credit! Kudos to you I don't think I could ever manage that many cards, but you seem to do it well!!
Geez this is the 2nd biggest list of credit cards I've ever seen lol, yes a guy has you beat by a lot LOL. A guy on another forum has 819 EQ score with 65+ accounts lol
Well, at least it's great to know that aiming for perfection early and carefully planning out your apps and current credit accounts can still result in phenomenal credit scores (albeit I'm sure it takes a longgg time), regardless of how many total accounts you have!
@daybreakgonesXe wrote:Well, at least it's great to know that aiming for perfection early and carefully planning out your apps and current credit accounts can still result in phenomenal credit scores (albeit I'm sure it takes a longgg time), regardless of how many total accounts you have!
One thing people don't realize is AAOA only affects 10% of your score, and you can achieva 760+ which is considered A++ by all lenders. Some people take advantage of cards sign on bonuses and try to see how many things they can con out of companies. A husband and wife couple online got approved for over $20,000 of bonuses in a single year, and they found a loophole where you can get the same card every month with a bank that'll remain unnamed, they were able to get 24 cards in a year with a spend $500 and get $200 statement credit bonus getting them 40% profit every month x2.
oh my, thats a huge list