Did I make a mistake and can I fix it?

[cmm89]

Like you, I got extremely app happy when my score shot up 100 points after the defaults on my student loans fell off. I was approved for $500 AmEx BCE, $1200 Discover IT (both of those were counter-offers, no welcome bonus), $1500 Chase FU (welcome bonus and intro APR of 0%), $2100 NFCU Go Rewards (no welcome offers), and $3700 BofA Travel Rewards (I am Platinum Honors Plus with ML--so this being my highest limit is not surprising. Also, I have my primary CHK and SAV with BofA. Came with 0% APR and the 20K rewards bonus after $1K spend in 90 days). I am concerned about potential AA but I honestly have not had a big credit hit yet, and all the inquiries are showing; not all accounts are on the bureaus yet, though. I am 1,000,0000% in the garden for at least a year; maybe two (next inq will be a mortgage).  As auto CLI's happen and these cards age, I should have plenty of available credit. I PIF every card every two weeks.

Prior to these, I had a $300 unsecured Cap1 Platinum (I PC'd to QS today through their product upgrade website, no hard pull, same limit, same AAoA, account number, etc.) and a $200 Citi Secured card that I've SD'd. EDIT: The QS will be SD'd too.

I reallllly don't want any AA's. I'll update on this post if anything does end up happening. I'm 27, only have a $6K car loan, $35k in student loans (Federal), and these revolving lines of credit. I make $60K a year in a low cost of living city in the midwest. Util, especially with all my new credit extended will never be higher than 15%, almost always under 10%. 

FYI: Current scores are in signature, updated earlier today. Gonna let these bad boys age and only try and SP CLI the AmEx. 

[Anonymous]

Limits are very strange.  My DW has become the master of the 5 digit limit.  It started when our biz Cap 1gave us $10K limit , now at $13K ,  then all new cards simply tried to match or better  her  limits. (Cap 1 biz reports on her credit) Others simply raised her.   Now almost all of hers 10,000 to 20,000 each..  Mine however 5K to 8K .  Income is reported the same  Her occupation is listed as business owner and mine as office staff.     I am still trying to figur  out the decline from a drease in age and the # of inq.  I would thought it would not  have hit that hard. Good Luck 

[AverageJoesCredit]

Thanks for update Karma

Well, you know to garden a bit which is good. Your spree isnt as bad as i or probably we thought. 1 SCT and 4 hps. The Amex and Citi can grow. Care One can too being Sync. Cap One will lead to better cards with them so i think you did nice.

With a baddie still showing and only 1 open cc account, also AU, this is why i felt though you had a 715, it wasnt a 715 on a thicker profile and thats probably why you saw such a drop. If you can garden at least a year youll rebound nicely. Enjoy your new cards and try to work on that $58 baddie , it can really help to get it removed.

[Anonymous]

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@AverageJoesCredit wrote:
Thanks for update Karma

Well, you know to garden a bit which is good. Your spree isnt as bad as i or probably we thought. 1 SCT and 4 hps. The Amex and Citi can grow. Care One can too being Sync. Cap One will lead to better cards with them so i think you did nice.

With a baddie still showing and only 1 open cc account, also AU, this is why i felt though you had a 715, it wasnt a 715 on a thicker profile and thats probably why you saw such a drop. If you can garden at least a year youll rebound nicely. Enjoy your new cards and try to work on that $58 baddie , it can really help to get it removed.

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I agree with AJC. All things pass and this will, too. Many of us here have had bankruptcies (me, included) and it seemed like things would never get better, but they do. Just take a deep breath and use your cards well. Don't be discouraged. While you are in the garden read more in the forum and learn as much as you can. We are so happy to have you here.