Re: Do u have 15+ cards with average CL over $5000... - Page 6 - myFICO® Forums

TiggerDat · ‎12-16-2014

I have 15+ accounts, but my average is $4624.

However, if I closed my Freedom and Target Red Card it would come to $5005. (Target $500 and Freedom $1500) Makes me wonder!

It is by will alone I set my mind in motion.....
Always follow these rules: Only take a HP for a new account. Always use the best rewards card for that reward category. Don't close a card unless you know you really should. Never use more than 35% of a credit limit. Recon as much and as best you can. Use the introductory period to the best advantage. Get the signup bonus. Whenever possible PIF or balance transfer so you pay less in interest. Never give an excellent rating when it is actually the norm. Always look for a discount as more is always better.
Always accept candy from strangers because they have the best candy or from people you know have good candy.

jamesdwi · ‎12-16-2014

37 cards
15 cards 5k or more
higest is 20k

lowest 200 (Target card) on the Chopping Block
oldest 5.5 years
avg 5633.69
1 charge card unicorn

Cards: Chase Southwest 20k & CSR 17k & CSP 10k & FNBO 30k Oregon Duck 5k, & AMEX BCP 32.5k & Amex Magnet 15k&amg; Hilton Surpass 7.5k & Delta Gold 12k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 20k, Paypal Extras MC 10k, Paypal Credit 7.25k CapOne Venture 15k, QS 2.5k, QS 750, Amazon 10k, Walmart 10k, Citi Simplicity 18k, Discover IT 23k and a nice stack of store cards.
Landmarkcu Personal Loan 10k

emptypockets · ‎12-17-2014

These kind of posts make me review my cards and think about what needs to go....In any case:

42 cards, Avg limit $11,319.00

40 cards $5k or more

Highest $25k (Nasa FCU)

Lowest $2k (Kohls) - second lowest AMEX Surpass $4k

Oldest card 8.5 yrs

AAoA 5.3 yrs

CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (3), Chase (5), US Bank Cash+, Huntington Voice, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 Real Life Rewards MC; FNBO Amex; Comenity Visa/MC (3), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (09/2017): EQ My Fico: 786; TU MyFico: 799; EX (My Fico): 797

WEShinego · ‎12-26-2014

I average about 7.25k per card, but I only have 12 cards at or over 5k.

Anonymous · ‎12-26-2014

I'm up to 5 cards of my own with a CL of $5,000 or over now.

IWOL · ‎12-26-2014

I have 22 open revolving accounts.

Average CL is 10k.

Highest is 25k, lowest is 2.5

11 Cards with 10k+ limits

4 cards from 20k to 25k

Anonymous · ‎12-26-2014

I have five revolving accounts. Recovered from two chargeoffs in early 2007.

Barclay arrival plus - SD'd for 5500
USAA World MasterCard - 26k
Chase Sapphire Preferred - 10k
Chase Freedom - 17k
DiscoverIT - 10k

All of these were opened within the last 2 years. I used Capital One and HSBC to rebuild my credit profile as well as a local credit union, those three accounts are closed now. Experian reports a 780 while TU / Equifax are 765, up from 580 in late 2013.

NRB525 · ‎12-26-2014

@emptypockets wrote:
These kind of posts make me review my cards and think about what needs to go....In any case:

42 cards, Avg limit $11,319.00
40 cards $5k or more
Highest $25k (Nasa FCU)
Lowest $2k (Kohls) - second lowest AMEX Surpass $4k
Oldest card 8.5 yrs
AAoA 5.3 yrs

And this is the kind of post that makes me realize my paltry 15 active cards may not be too many yet...

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

FinStar · ‎12-26-2014

68 accounts, average ~8.5K. Highest CL $45K, 6 tradelines >$25K, lowest CL $3K.

Anonymous · ‎12-26-2014

19 cards (just got 10 of them this year)

lowest CL $7600 Cap 1

highest CL $75000 BofA

$457,000 total CL

@Fico2Go wrote:
Some MYFICOers have dozens of credit cards from various issuers. However along with the high number of cards I also see low limits on each card.
Which begs the question how many have higher than 5000 CLs with more than 15 cards?

Do u have 15+ cards with average CL over $5000?

Re: Do u have 15+ cards with average CL over $5000?

Re: Do u have 15+ cards with average CL over $5000?

Re: Do u have 15+ cards with average CL over $5000?

Re: Do u have 15+ cards with average CL over $5000?

Re: Do u have 15+ cards with average CL over $5000?

Re: Do u have 15+ cards with average CL over $5000?

Re: Do u have 15+ cards with average CL over $5000?

Re: Do u have 15+ cards with average CL over $5000?

Re: Do u have 15+ cards with average CL over $5000?

Re: Do u have 15+ cards with average CL over $5000?

Do u have 15+ cards with average CL over $5000?

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Re: Do u have 15+ cards with average CL over $5000?

Re: Do u have 15+ cards with average CL over $5000?

Re: Do u have 15+ cards with average CL over $5000?

Re: Do u have 15+ cards with average CL over $5000?

Re: Do u have 15+ cards with average CL over $5000?

Re: Do u have 15+ cards with average CL over $5000?

Re: Do u have 15+ cards with average CL over $5000?

Re: Do u have 15+ cards with average CL over $5000?

Re: Do u have 15+ cards with average CL over $5000?

Re: Do u have 15+ cards with average CL over $5000?

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