@taxi818 wrote:
@CreditCuriousity wrote:It might be the best looking card next to my CSP. Just simple black. Still up in air whether I need to cut ties with it or not. Don't need it for utilization or anything else. Just affraid of to much credit for future huge approvals on Visa/Mc's type cards and hindering possibly that. Otherwise I would keep it for sure, up in the air about it still.
CC. Question? Where are you getting this stuff that a 14-20k card will hurt future limits? not sure. but i know for sure. 12njoy is up to 650k in limits. and none of his cards have hurt his future limits. Mc Visa or anything else. and his income is not as high as yours. and for sure his util is not like yours with $200 bucks. you will be fine with Jcrew. Age trumps the limits of a card. without any doubt. Edit. Unless you are concerned with some internal limit with comenity. Then of course this makes sense. otherwise. no.
Just cautious is all Taxi.. It really depends on lenders probably. Will it hurt with Chase? Probaby not.. Will it possibly hurt with Penfed? Maybe. I just prefer to take the cautious route is all. My income might be a bit higher then njoy and I am only holding about 140k in CL's his profile isn't dirty like mine is being my old CO's and lates that I still have reporting for another 2 years. As you know every credit profile is different and can't really compare one to another. I still think I have room to grow without cancelling JCREW at the moment, just worried in the future is all.. Just from reading lenders start saying woah you have to much credit to some, mainly CU's, but obviousy big banks can do this as well also it might not be an instant approval which we all prefer and hopefully for big limits. I have surpassed my annual income now in CL's is why I am a bit worried
. Just edge on side of caution and weighing my options and what is best for me as I rather have a nice Visa/MC with awesome rewards or signup bonuses or killer APR than a store card. If something has to give it will be the store card, not sure it has to give though.
@CreditCuriousity wrote:
@taxi818 wrote:
@CreditCuriousity wrote:It might be the best looking card next to my CSP. Just simple black. Still up in air whether I need to cut ties with it or not. Don't need it for utilization or anything else. Just affraid of to much credit for future huge approvals on Visa/Mc's type cards and hindering possibly that. Otherwise I would keep it for sure, up in the air about it still.
CC. Question? Where are you getting this stuff that a 14-20k card will hurt future limits? not sure. but i know for sure. 12njoy is up to 650k in limits. and none of his cards have hurt his future limits. Mc Visa or anything else. and his income is not as high as yours. and for sure his util is not like yours with $200 bucks. you will be fine with Jcrew. Age trumps the limits of a card. without any doubt. Edit. Unless you are concerned with some internal limit with comenity. Then of course this makes sense. otherwise. no.
Just cautious is all Taxi.. It really depends on lenders probably. Will it hurt with Chase? Probaby not.. Will it possibly hurt with Penfed? Maybe. I just prefer to take the cautious route is all. My income might be a bit higher then njoy and I am only holding about 140k in CL's his profile isn't dirty like mine is being my old CO's and lates that I still have reporting for another 2 years. As you know every credit profile is different and can't really compare one to another. I still think I have room to grow without cancelling JCREW at the moment, just worried in the future is all.. Just from reading lenders start saying woah you have to much credit to some, mainly CU's, but obviousy big banks can do this as well also it might not be an instant approval which we all prefer and hopefully for big limits. I have surpassed my annual income now in CL's is why I am a bit worried
I understand the caution. i was before. and yes. njoy has some baddies as well. but i was cautious at one point. i gave it up. my income is low. 62k. at least for this year. next year will be better as i will work more and not chill so much. 
i didnt know you had only 140k. i thought you were over 200 by now. with the big limits you have. Im at about 150 i guess in total limits. not counting my DinersClub which is hidden. im good with that for now. Thats why ive not applied for the lowes which can be 35k easily or barneys for 30k. which im sure i would never use either one. i would rather have mcs and Visa cards as well. some at this point im very selected. i just don't think closing something i already have will help me in the long run. i don't use jcrew much. which their prices are sick anyway. but i will buy a shirt or some socks every 6 months. i think it has helped me with comenity. I will probably cancel my overstock. Which i only used once. and my limit is only 3k. maybe that will free up some room on my Total rewards.
@Anonymous wrote:
Ok, I promise to keep it open, maybe I'll buy some over priced, on sale socks at Christmas with it 😄
I can get my next CLI in the middle of November can't remember the exact date but I've tried for multiple increases via robot lady and haven't been able to get one yet. Too lazy to turn on the laptop, don't have the data on my phone.
Check out the Factory sale socks when they go an additional 40-50% off. They become comparable to normal stores then.
