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I'm around $75K (see siggy). And that is way more than I need. I don't want any other cards and only got the HHonors for the 40K points. Too much credit can be a turn off for some creditors. Just closed on a $416K house in June so I'm set except for a car in a year or two. Til then it's garden, garden, garden! Hopefully I can get high enough for a zero percent or really low loan.
USAA World MC........................$8,000
USAA Amex................................$9,000
Amex Starwood.......................$15,000
NFCU cashRewards Visa ...$14,000
PenFed Platinum Rewards....$5,000
Total...........................................$51,000 (all on a $40k income)
@gettnthere wrote:
Well i definitely cant brag about my total CL cause its only like 8k lol (so sad....) so ill just use Crashem, the guy has a freakin AWESOME amount of available credit. I believe hes somewhere real close to 300k+ that he can use. I WISH i just had half of that....lol maybeee one day
$300k+...Geesh!!!
Congratz! DrJim...that must be a beautiful home for that price unless you're in a big city then a small condo (still nice I'm sure), LOL!
Sounds like you have everything all planned out. If you qualified for a $416k home in this market, I'm sure you'll get that 0% or very low IR on your car when you're ready.
@CorporalCaptain wrote:USAA World MC........................$8,000
USAA Amex................................$9,000
Amex Starwood.......................$15,000
NFCU cashRewards Visa ...$14,000
PenFed Platinum Rewards....$5,000
Total...........................................$51,000 (all on a $40k income)
Impressive...
I wonder how much over your income are CC companies willing to risk.
@searchingfor67 wrote:$129K
How many cards? Mind sharing your CL's on each???
It makes me wonder how these credit cards people determine your limits. But I guess that's why the interst rates on these things are so out of wack with other rates.
@tubesock wrote:
@CorporalCaptain wrote:USAA World MC........................$8,000
USAA Amex................................$9,000
Amex Starwood.......................$15,000
NFCU cashRewards Visa ...$14,000
PenFed Platinum Rewards....$5,000
Total...........................................$51,000 (all on a $40k income)
Impressive...
I wonder how much over your income are CC companies willing to risk.
That's the question. I'm sometimes surprised that I've been able to push my Starwood card up to $15k. Not sure I want to risk another CLI.
I am curious to see if PenFed bumps my limit one day, but that's a long way off since the card isn't even 30 days old yet.
@Razeus wrote:It makes me wonder how these credit cards people determine your limits. But I guess that's why the interst rates on these things are so out of wack with other rates.
That's why I try to never, ever carry a balance. The interest rate is irrelavant if you pay in full or use the 0% interest promos. NFCU offers 0% at the beggining of the year, which I always take advantage of. I let all their other customers give them interest.