was it a smart move?

[jsickz32]

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@webhopper wrote:
You got some good cards. Call amex 61 days after you activate the card and ask them to raise your limit to 7500. They'll do it usually, or xounter offer you for a different amount

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really only 61 days!? wow! what about chase? same thing?

[Anonymous]

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@jsickz32 wrote:

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@webhopper wrote:
You got some good cards. Call amex 61 days after you activate the card and ask them to raise your limit to 7500. They'll do it usually, or xounter offer you for a different amount

---

really only 61 days!? wow! what about chase? same thing?

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IME, Chase is always HP with CLI

[android01]

Forget about CLI's and 61 days and anything else for a year.  You've done well on the cards you applied for.  Use them well and plan for what you want to do this time next year.  

[jsickz32]

you guys think i have to many open ccs? heres what i have..

macys gold card 1k/400 balance

bofa plat plus 3k/420 balance

bofa cash rewards=5k/0 balance

kohls = 300/40 balance

barclaycard= 2.3k/500 balance

kays cc= 5.6k/0 balance

bestbuy= 400/0 balance

amex bce= 2.5k/0 balance

discover= 1.7k/0 balance

chase freedom= 500/0 balance

and application in progress for bofa amex accelerated rewards

[webhopper]

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@jsickz32 wrote:

you guys think i have to many open ccs? heres what i have..

macys gold card 1k/400 balance

bofa plat plus 3k/420 balance

bofa cash rewards=5k/0 balance

kohls = 300/40 balance

barclaycard= 2.3k/500 balance

kays cc= 5.6k/0 balance

bestbuy= 400/0 balance

amex bce= 2.5k/0 balance

discover= 1.7k/0 balance

chase freedom= 500/0 balance

and application in progress for bofa amex accelerated rewards

---

I think the Best Buy card app was a mistake, other than that, stop applying.  You're good, you dont need anymore cards.

[android01]

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@jsickz32 wrote:

you guys think i have to many open ccs? heres what i have..

macys gold card 1k/400 balance

bofa plat plus 3k/420 balance

bofa cash rewards=5k/0 balance

kohls = 300/40 balance

barclaycard= 2.3k/500 balance

kays cc= 5.6k/0 balance

bestbuy= 400/0 balance

amex bce= 2.5k/0 balance

discover= 1.7k/0 balance

chase freedom= 500/0 balance

and application in progress for bofa amex accelerated rewards

---

How old are you, and how old are these accounts?  if you don't mind me asking.....

[jsickz32]

yeah im done applying for cards for couple of years now. i really want the bofa amex but if not oh well. how i calculate my utility?

[jsickz32]

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@android01 wrote:

---

@jsickz32 wrote:

you guys think i have to many open ccs? heres what i have..

macys gold card 1k/400 balance

bofa plat plus 3k/420 balance

bofa cash rewards=5k/0 balance

kohls = 300/40 balance

barclaycard= 2.3k/500 balance

kays cc= 5.6k/0 balance

bestbuy= 400/0 balance

amex bce= 2.5k/0 balance

discover= 1.7k/0 balance

chase freedom= 500/0 balance

and application in progress for bofa amex accelerated rewards

---

How old are you, and how old are these accounts?  if you don't mind me asking.....

---

i just turned 21 this past 15....this is the order for the age of the accounts

2009

2009

2011

2011

2011

2011

2012

2012

2012

2012

that is also the order i applied for them. i have checking and savings account with bofa since 2008

[webhopper]

To calculate utilization:  

Add all balances up = Total Balance

Add all credit limits up = Total Limit

Divide Total Balance by Total Limit and then multiply by 100

That will be your % utilization

I'm also curious as to how old you are and how old your accounts are..  morbid curiosity

[android01]

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@jsickz32 wrote:

yeah im done applying for cards for couple of years now. i really want the bofa amex but if not oh well. how i calculate my utility?

---

Do you know your FICO scores?  If not, you can pull your EQ and TU scores here at MyFico.  That will tell you your utilization, your average age of accounts, and tools for what you can do to increase your score and manage your credit.