Re: Future limits?

Repo-ed · ‎01-19-2013

20 inq at least

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891

creditnocash · ‎01-19-2013

@Repo-ed wrote:
20 inq at least

lol i know he has alot but i figured some must have aged by now.

Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23
Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE
Over 12 Months:0

2023 Goals:
Buy A Home
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000

jsickz32 · ‎01-19-2013

Chase want to see at least 1 year history with 5k+ before they give me a CSP. And ive tried 4 times. Hope you have better luck

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)

afbar1114 · ‎01-19-2013

Not a lot. Most fell off by now

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650

djrez4 · ‎01-19-2013

@jsickz32 wrote:
Chase want to see at least 1 year history with 5k+ before they give me a CSP. And ive tried 4 times. Hope you have better luck

That may be the general rule, but there are exceptions. My CSP came after less than 3 months of history with limits over $5k.

jsickz32 · ‎01-19-2013

In know but i said before they give ME one.

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)

afbar1114 · ‎01-19-2013

I truly was shocked I got it

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650

afbar1114 · ‎01-19-2013

my goal this year is CSP I have always wanted a metal card. I will try late in the year let this one age at least 6 months....I plan on getting rid of at least 3 if not more cards.

Cards getting axed:

Cap1

BBY store Card

Kohls

Zync

Maybe Home Depot..

If i get CSP BoA will get axed...

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650

SnackTrader · ‎01-19-2013

@afbar1114 wrote:
my goal this year is CSP I have always wanted a metal card. I will try late in the year let this one age at least 6 months....I plan on getting rid of at least 3 if not more cards.

Cards getting axed:
Cap1
BBY store Card
Kohls
Zync
Maybe Home Depot..

If i get CSP BoA will get axed...

As long as you are acknowledging that you may be sacrificing better rewards for the metal card...

i can't say which rewards cards offer better rewards because I don't know you're spending habits, but be sure to take a step back and think about if rewards or a metal card are more important to you. If the metal card wins, CSP it is

In My Wallet: Amex BCP (12/12) $50,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Prestige (4/16) $30,000

Last App: June 27, 2015

Joesh · ‎01-19-2013

@webhopper wrote:
Why not ask boa to upgrade your 123 to travel rewards and your new card will have chip and pin.

MY 123 Cash Rewards card is stuck in my sock drawer now that I have BCP. If I can upgrade it to the Travel Rewards card and get 1.5% cashback, then it'd be my go-to card for daily spending that isn't in other promo categories. Are you saying that I can upgrade it?

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