Email From Chase RE CLI

[Anonymous]

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@plasticguy wrote:
My Limits BOFA World Mc $70,000 Chase Freedom World $50,500 BOFA Visa Sig $30,500 Chase Pro Biz $25,000 Account doesn't show on CR :mrgreen: Citizens Bank RBS $25,000 Amex Blue $23,000 PNC Bank $22,500 Merrill Lynch $20,000 GM HSBC Flexible Rewards $16,000 Discover $15,000 Citi Professional $15,000 HSBC Direct $12,500 Capital One $14,000 Citi Diamond $8,300 HSBC Platinum $6,000

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Out of sheer morbid curiosity, what are your FICOs if you don't mind me asking?

[Creditaddict]

Mental Note " NEW GOAL, Get my BofA secured card to 70k!!"

[plasticguy]

My FICO Scores Latest FICO® Scores Offical FICO Score Seal TransUnion 786 Date: 7/24/2008 Equifax 807 Date: 7/24/2008 Experian 792 Date: 7/24/2008

[plasticguy]

It's not sick, It's better to have and not need than to need and not have

[smallfry]

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@plasticguy wrote:
It's not sick, It's better to have and not need than to need and not have

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I agree it is prudent to get more credit when you do not need it. Congrats on the limits. I currently have about my yearly income in available credit right now. There was a post the other nite over at CB about a couple who had over 120K CC debt. Job loss income shrinkage the whole nine yards. Just about to not be able to pay their 5K monthly mortgage note.

To the point. While it is nice to have large amounts of available credit do not fool yourself into thinking you can actually use it in an emergency that lasts more than a couple of months. Better to save 6 months or more of total expenses. Once you cannot pay the credit card bill you will get rate jacked across the board a few issuers notwithstanding. The high limits are nice for utilization purposes just don't get caught up in the mine is bigger than yours game. It ain't money. If you use it you had better be able to pay it back quickly. Just a game folks nothing more.

[Schoolbuskid]

I meant that in a good way actually, me being 21 i dont think i could handle those type of limits! Those are some serious credit lines!

[Scamp]

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plasticguy wrote:
It's not sick, It's better to have and not need than to need and not have

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"Sick" = Slang for 'unbelievably, enviably good'; see also 'off the hook' and 'awesome'. 

[Schoolbuskid]

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scapegrace13 wrote:

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plasticguy wrote:
It's not sick, It's better to have and not need than to need and not have

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"Sick" = Slang for 'unbelievably, enviably good'; see also 'off the hook' and 'awesome'. 

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Yea thats what i meant thanks Scape!

[Anonymous]

Dude thts just so KOOOOOOOOOOOL i applaude you!!!!For taking such great care of your credit!

[plasticguy]

That's the best compliment I've received. Thanks