What is largest CL you have? / Which Cards provide large CL?

[rubaty]

---

haulingthescoreup wrote:
Hey, rubaty, you didn't get spanked nearly as hard as I did for your app frenzy! How long after the app'ing did you pull your 3/1 scores? In other words, had everything already reported for a couple of months? I'm really hoping that mine start climbing back up in another month.

(Sorry for the TJ, Concorduser!)

---

I was so worried that I was pulling my scores every week!  That was the perfect use of all of the new cards.  Most of the cards didnt post until Jan 08 but none of my scores dropped below 720.  I was really suprised to see the drop you had!  Right now, I am still sitting at BAD for all of the new cred and it is also a red flag on all 3 reports.  Because I have an APO address, everybody is reporting to EX & EQ but not everybody it reporting to TU.  Strange...

[rubaty]

---

concorduser wrote:

One more question. To reach these CL's did you do PIF or did you carry balances? I dont like to carry balance and I always do PIF. Is it ok or should I carry balances?

---

The only balances I carry are BT's!  All other purchases are PIF or debit card.

[haulingthescoreup]

---

@rubaty wrote:

---

@Red1Blue wrote:

One more question. To reach these CL's did you do PIF or did you carry balances? I dont like to carry balance and I always do PIF. Is it ok or should I carry balances?

---

The only balances I carry are BT's! All other purchases are PIF or debit card.

---

Same here. From what I've read, carrying balances help in getting CLI's from the rebuilder cards, but it's not necessary on "good" cards. Also, if you want a CLI on a particular card, you need to use it a lot for several months at least. Otherwise, it's just waiting and letting time do its thing.

[Anonymous]

strangely enough, my highest CL card is my Discover. i had no idea that Discover could be a tough to get card, but i wasn't too worried about getting denied because i was pre-approved. when it came in the mail, i glanced at the CL and was a little disappointed to see a '1'... thinking the limit was $1,000. looked again and saw it was $10,000. that kinda freaked me out since my other limits at the time were around $2,500. haha.... i still haven't used more than $900 of that limit, but i'm veryvery glad to have it!

[Anonymous]

tie between nat city and boa 12k each, followed by citi and a cu 10k each.

[Anonymous]

---

concorduser wrote:

One more question. To reach these CL's did you do PIF or did you carry balances? I dont like to carry balance and I always do PIF. Is it ok or should I carry balances?

---

concorduser,

I PIF all of these cards monthly, except my Amex Blue.  I have an old convenience check balance approx $6000ish at a rate of 1.9%.  See no reason to pay that off, given the interest rate.

[Anonymous]

my largest CL is first premier 100.00

[fused]

I will reluctantly share.

- BoA 26.5K (unsecured line of credit)

- FIA Fidelity Plat Visa 25K...opened 02/05 with an initial CL of $500...made big charges revolved small balances

- Amex Blue 20K...opened 12/06 with an initial CL of 4.7K...mostly PIF or revolved a very small balance

- Chase Plat Visa 19.3K...joint account with wife

[Anonymous]

---

@haulingthescoreup wrote:
My largest is USAA MC, now at $32K. It was their AmEx at $30K. I was up late with asthma and full of inhalers (which make you revved and jittery), and I wanted a CLI from the $3500 that I had. I hit the luv button and *blink* $30K. So I guess that instead of an auto-CLI, I had an albuterol-CLI, har har.

I just swapped the CL from the AmEx to the MC, because the MC is taken more places in the home remodeling area.

---

Quick question, did USAA get rid of the luv button on their website? I can't seem to find it?

[tonsers]

---

@Red1Blue wrote:

One more question. To reach these CL's did you do PIF or did you carry balances? I dont like to carry balance and I always do PIF. Is it ok or should I carry balances?

---

For my biggest CL (BofA VISA) - I often carry a balance. I frequently use this card for work expenses, they reimburse me (with interest, of course, if I don't pay in full). I've actually had a balance as high as $19K when my limit was $19.5 - they raised my limit to $23K+.