WHATS YOUR CREDIT LIMITS ON ALL CARDS AND OVERALL HISTORY?

[Alaskan Assassin]

THIS IS FOR EVERYONE SUBMIT

THIS IS MINE

AMEX BLUE SKY$23,000
FIA BANK OF AMERICA ALASKA AIR PLATINUM$7,000
FIA BANK OF AMERICA AMEX$7,000
DISCOVER CARD PLATINUM$5,000
FIA SUNTRUST BANK$2,000
SEARS$1,200
WALLMART$375
CAPITALONE $500
KEY BANK $500

2 YEAR 6 MONTHS tot credit ($46,575)[*]

[bullwinkle29]

AMEX Blue 20,000
AMEX Costco $17,500
BOFA $26,100
Chase x3 Total $30,100
Chevron Gas Card $400
Citi $15,000
Discover Card $8,000
Golden 1 CU Visa $30,000
HSBC/Best Buy $6,900

my credit history started when i was 18, in 1995.

[Alaskan Assassin]

bullwinkle29:::

YOU HAVE LOTS OF CREDIT CARDS

[CreditDiva]

I have over $500K total CL, out of that I have $200K HELOC, and $300K spread accross various CC or LOC CC - thick file, no baddies..had a few lates that were removed with goodwill letters, have CL with all major players except AMEX - closed all total of $150K CL with them due to F/R review request. Scores are high 700 on EX,EQ, and just recently joined the 800 club on TU

[/img]

[JoyJoy]

It's not the number of cards one has (it seems) but how well they use the ones that they do have. From the two posters above, this fact bears this out. WTG CreditDiva on 800 with TU! They are my lowest scorer by far. Equifax is my highest and always has been.

I've been reading different websites and different financial gurus websites as well and I find no two people can agree on how many cards one should have, what amount of utilization one should have, when to close cards, etc., etc. I am of the opinion now that what works for you, just continue doing it.

Alecia

[davensd]

Chevron: $2000
Chase: $44,000
Chase: $500
Citi: $23500
MBNA: $16000
Discover: $8000
Discover: $7500
Sears: $6500
Macys: $12000
Nordstrom: $11000

How do you guys get a $140,000 on your Chase credit card? That must have taken some time.

[dllceo]

Navy Fed Credit Union NRewards Visa $5,000
Navy Fed Credit Union NRewards MC $5,000
Navy Fed Credit Union LOC $10,000
First Premie $450.00
Target Redcard $500.00
USAA Platinum MC $7,800

[gsr]

Bank of america platinum student $1000.00
Citi Dividend $3200.00
Citi Mtvu $1800.00
Paypal Platinum $3000.00
Hcbc Cash back $4500.00
Bank of america Amex $1000.00
Bank of america Platinum plus $3000.00
Target Store card $500.00
Bank of america power rewards $7200.00
us bank cash back $5000.00
chase +1 $700.00
chase freedom $700.00

10 months of credit

Hmm i wounder what else can i add to my collection of cards?

[Kitten]

I have....

B of A (2) 12,000 + 20000
citi (2) 19600 + 23600
chase 14000
us bank 15,000
sam's 3000
best buy 6600
Amex--no limit

Never late--fico 760

[spjoink]

amex blue cashback cl $ 45 000.00
amex delta skymiles cl $25 000.00
b of a us airways cl $30 000.00
juniper us airways cl $30 000.00
juniper orbitz card cl $30 000.00
nasa fcu visa cl $30 000.00
chase ba cl $20 000.00
wells fargo visa cl $20 000.00
citi aadvantage cl $26 500.00
us bank cl $ 6 200.00

Business cards

citi aadvantage business cl $5000.00
b of a business visa cl $ 18 500.00
wells fargo business visa cl $ 8 500.00
i have 2 years credit history ...my fico 709-706-730
no baddies only perfect stuff

[spjoink]

forgot my amex platinum...buts a charge card....

[Brammy]

Hey compared to you guys, all my cards still have the training wheels on them

[maddybeagle]

total household credit from credit cards is almost 300k and my history is 10 years....just started aggressively applying for more and more in 2004 to use for investing and sign on bonuses....no lates or anything derogatory...

before 2004, only had a couple of cards and used them for everyday purchases and paid off every month...even closed a few that I didnt use....didnt start my first credit card until I started my first job out of college....

[QikPass]

In order acquired.

Chase Platinum - 5000
Chase Plain Vanilla - 1000
Chase Perfectcard - 2500
Capital One "Hassle Miles" - 4000
Amex Blue Cash - 10 700
Amex Blue - 11 100
Charles Schwab - 6000
Amex Blue - 11 100
Amex Hilton HHonors - 15 900
NY Jets MBNA - 10 000
BOA Quantum - 15 000

History - 2 years and a few months, No Late, No Bads..

[mouse]

Hey compared to you guys, all my cards still have the training wheels on them

I didn't bother because all that are listed are TRAINING WHEELS

(with a few exceptions)

[QikPass]

Gotta Start somewhere Squeak..

I'm sure u remember your training wheels...

Now your flossing with your Big Rims..

[Board Monitor]

Am making the thread sticky. Great thread!

[ThRat]

Universal (now Citi) - was my student card 4 years ago started with $300, now $15,100

Citibank Platinum - $11,550

Bank of America - $9,500

MBNA - $5,000

Chase Platinum - $5,000

Chase Amazon - $5,000

Chase Rewards - $5,500

Household bank - $8,500

Providian - $5,000

WAMU - $3,500

Capital One - $3,700

AMEX - $3,900

RBS - $3,500

Macys, Sears and all other shopping cards - about $5,000 combined

Score is around 720-740 (depends on outstanding balance), got my first CC in October 2002

My problem now is to close all small balances and get some good credit lines such as 40000 per card and above

[artcubed]

Nothing in comparison, but:

2 years exactly of history. No bad anything, just high balances on the citibank card until a few months ago.

In order acquired:
Citi Dividend 4000
Capital One 500
Chase 200
Chase Rewards 300
Bloomingdales 800
HSBC Platinum 1000

[NightStar]

My problem now is to close all small balances and get some good credit lines such as 40000 per card and above

You don't want to close out the small ones if they have long credit history, give them another chance and request a credit limit increase. Only close out the youngest accounts. If you can combined credit cards then that is another option.

[Alaskan Assassin]

artcubed:::


try to apply for American Express Blue Sky they give lots of credit increases.

[willgator]

lets see over 960,000 in personal
over 200,000 in biz
and history is 19 years on tu and ex , 14 on eq

[gcredit]

GEMB bank: 300
Wamu : 1500
1 year
just starting

[guessindigo]

600K overall. My biggest lines are

Chase 80,000+
AMEX 190,000 on 2 cards
Citi 80,000+
BofA 100,000

Other odds and ends cards bmw, cu's, etc.

[nikkalus33]

Started November 2005 (College Student, 723 - 730 FICO scores):
Oct/1999: Blue from American Express (Authorized User) - $4,400
Nov/2005: American Express Blue for Students - $5,500
Dec/2005: Bank of American Platinum Plus Visa - $5000
Jan/2006: Citi mtvU Platinum Select Visa - $2,600
April/2006: HSBC Cash of Fly Mastercard - $1,100
April/2006: Chase Flexible Rewards Visa - $7,500
Aug/2006: Citi's Home Deport Card - $4,000
Aug/2006: Chase Amazon.com Visa - $4,000
Oct/2006: Chase Professional Mastercard - $5,000
Oct/2006: Washington Mutual ESPN Total Access Visa - $12,000
Oct/2006: Chase Disney Rewards Visa - $5,000
Nov/2006: American Express Hilton HHonors Platinum - $5,000
Nov/2006: Bank of American World Points Platinum Plus Mastercard - $2,500
Nov/2006: Citi Dividend Platinum Select Visa for College Students - $500

[StevenQ]

I only have 1 credit card at the moment, but I think the limit is at 3,000

[crybaby]

National City Bank $300 3 months

[Millenial]

BOA World Mastercard with Worldpoints $7500
Chase Freedom Visa $5900
USAA Platinum Mastercard $15000

credit history: 4 years

[AJ]

Bank OF A World 22.5K
PNC Bank 15,000
Bank OF A platnium 14,400
GM card 14,000
Direct Merchants 12,500
Citizens Bank 10,000
capital one 10,500
Discover 9,000
Chase 7,000
HSBC 6,000

[mouse]

all athanchew's posts are the same spamming message. Mods please kick from forums.

athanchew
Guest

DONE....

[canadianpotatoes]

Citi® Dividend Platinum Select® Visa® Card - $3200

First accounted opened when I was 19, 10 months ago.

It's ok that I have just one card for now, right?

[Alaskan Assassin]

canadianpotatoes:::

your doing awsome!!! ones better then none and your only 19 $3200 cool

[canadianpotatoes]

Thanks! I am 20 now, as of 2 months ago.

I have had great success with that card. I use it often and pay it in full every month. Twice I have asked for a CLI and they gave me $1000 each time without doing a hard pull.

I am wondering though--do I need to have a bunch of cards like everyone else? This credit limit is more than enough to cover my monthly expenses because I pay in full. I want to use credit in a way that maximizes my FICO score so I can eventually get good interest rates on mortgage loans; does this mean I am doing OK or should I get more credit?

[canadianpotatoes]

Bank of america platinum student $1000.00
Citi Dividend $3200.00
Citi Mtvu $1800.00
Paypal Platinum $3000.00
Hcbc Cash back $4500.00
Bank of america Amex $1000.00
Bank of america Platinum plus $3000.00
Target Store card $500.00
Bank of america power rewards $7200.00
us bank cash back $5000.00
chase +1 $700.00
chase freedom $700.00

10 months of credit

Hmm i wounder what else can i add to my collection of cards?

So we both have 10 months of credit history, but you have.. $28,400 more in credit and 11 more credit cards.

Am I seen as the one who has worse credit because I don't have as much credit experience and I have a higher utilization (out of my $3200) or are you seen as the one with worse credit because you opened, on average, 1.2 cards every month?

My guess is the ideal situation (in terms of FICO) is somewhere between you and me? Anyone can feel free to chime in on this.

[Alaskan Assassin]

You dont have to be like everyone else make shure you get enough credit to make you happy I have too many cards Im slowly getting rid of most, 2 or 3 sounds right for me, dont let me or anyone tell you what you need or dont need, Im 27 I never thought I would even have more then one card after the first one came I got a little crazy but it looks good to me on my credit report please dont rush to get so many credit cards its hard to manage more then 6 for me plus I dont even use them all.

If you want a bigger credit limit like 20k plus try americanexpress they give a lot of credit increases on just one card I have one thats at 15k and i have had credit for two years and some months.


Good Luck!!!

[mouse]

You dont have to be like everyone else make shure you get enough credit to make you happy I have too many cards Im slowly getting rid of most, 2 or 3 sounds right for me, dont let me or anyone tell you what you need or dont need, Im 27 I never thought I would even have more then one card after the first one came I got a little crazy but it looks good to me on my credit report please dont rush to get so many credit cards its hard to manage more then 6 for me plus I dont even use them all.

If you want a bigger credit limit like 20k plus try americanexpress they give a lot of credit increases on just one card I have one thats at 15k and i have had credit for two years and some months.


Good Luck!!!

"IF" for some reason ALL 2 or 3 closed them on you...YOU HAVE WHAT TO FALL BACK ON???

[Alaskan Assassin]

I never thought about that!!! I'll get back to you on that

[mouse]

I never thought about that!!! I'll get back to you on that

FIRST USA/BANK ONE (PRE CHASE) DUMPED ALL 4 OF OUR CARDS WITH-OUT ANY NOTICE WITH NO STATED REASON

[Alaskan Assassin]

well thats not right!!!

[howardi]

Hudson Heritage FCU Visa: 10,000
Mid-Hudson Valley FCU Visa: 3500
Cap One: 700 w/ 1750 high balance reported.
Orchard Bank Visa: 2000
Staples: 1000
Best Buy: 3000
Home Depot: 4000
LNT: 1000

I just applied for a HHFCU Visa Platinum Visa..I am sure I will get approved.......10,000-15,000 limit?

Trying to re-build credit for the past years..Not been late since 2002...

TU: 750
EXP: 740
EQ: 689

My EQ is filled with inquiries(14)..I am trying to get some off 'cause it's killing my score at EQ. Any advice will be appreciated.

[gsr]

Bank of america platinum student $1000.00
Citi Dividend $3200.00
Citi Mtvu $1800.00
Paypal Platinum $3000.00
Hcbc Cash back $4500.00
Bank of america Amex $1000.00
Bank of america Platinum plus $3000.00
Target Store card $500.00
Bank of america power rewards $7200.00
us bank cash back $5000.00
chase +1 $700.00
chase freedom $700.00

10 months of credit

Hmm i wounder what else can i add to my collection of cards?

So we both have 10 months of credit history, but you have.. $28,400 more in credit and 11 more credit cards.

Am I seen as the one who has worse credit because I don't have as much credit experience and I have a higher utilization (out of my $3200) or are you seen as the one with worse credit because you opened, on average, 1.2 cards every month?

My guess is the ideal situation (in terms of FICO) is somewhere between you and me? Anyone can feel free to chime in on this.

Well right now my scores are kinda low since i applied for many cards, but i recently applied for a american express optima, and amex green card, and i got approved for both. My scores are around 690. And I didnt start out with that much credit, when i applied i got low limits, and they just gotten a little higher because i kept on clicking the cli buttons. As for the other cards, I bank with bank of america, us bank, and hsbc, and that seemed to help a little.

Side note, i applied for two amex cards on the same day, but it appeared to have two inquiries , One from 12-27-06 and one from 12-28-06 , can they do that?

[canadianpotatoes]

Hmm, interesting. Well I hope my credit score is above 700, but it might not be. Either way, I don't want to have that many cards.

I just applied for a new one and I wonder if I even should have done that.

UPDATE!

My new situation:

Citi Dividend Platinum Select Visa: $3200
Chase Platinum Mastercard: $5000

Woohoo!!

[xace]

American Express Blue - 15,000
Bank of America Visa Signature - 12,500
Discover - 8,000
Chase - 2,500

[skyfox2020]

Amex
Platinum: no limit
Gold: no limit
One: no limit
Blue: 50,000
Clear: 50,000
SPG for Business: 5,000

USAA
Mastercard: 25,000
Amex: 25,000

WAMU
Visa: 3,000

HSBC
Mastercard: 3,000
Visa: 2,500

Total: $163,500
Length of Credit History: 8 yrs
updated: 3/29/07

[herky]

BOA Visa - $15,000
AMEX Starwood - $20,000
Gold Amex - ???
Plat Amex - ??? (jointly held w/ wife, really her card)
Citi PP MC - $11,000
Household MC - $5,000
HSBC MC CB - $1,000 ???
USBank Visa - $1,750
Chase Amazon Vs - $8,600


Started w/ a couple of denied applications in Nov 2004. Now I get auto increases vairly often...

Total: $62,350

[jcbutta]

Amex Rewards Gold no limit
Amex Skymiles Platinum $35,000
Amex Hilton Honors Platinum $20,000
Amex Blue $15,000
Amex Citi Diamond Rewards $6,000
Bank Of America Worldpoints $10,000
Washington Mutual Platinum $9,000
Discover Platinum $10,200
Wachovia Worldpoints Gold $10,000
AT&T Universal Platinum $7,500
Bank Of America Visa $5,000
Juniper Bank - $5,500
TFCU Platinum Plus $7,500
Capital One - $2,000
Various Store Cards $7,000
AT&T Universal Rewards $7,500

Total Credit $163,700
Credit History 13 Years
Fico 786

[AJ]

Bank Of America World 27,000
Chase World 21,600
Pnc Bank 15,000
Bank Of America Platinum Plus 14,400
Gm Card 14,000
Direct Merchants 12,500
Capital One 10,500
Amex Blue 10,000
RBSC Citizens Bank 10,000
Discover Card 9,000
HSBC Platinum 6,000

[USMC93]

Wow there are some serious credit limits in here! lol

I'm still working on the repair process I have come full circle and heading in the right direction...


BofA Visa - 8400
Citi Premier Pass - 8400
US Airways Dividends MC - 7500
BofA AMEX - 6000
Homedepot - 5500
AMEX blue cash (new since visiting this forum) 5000
Providian Visa - 5000
Discover Plat - 4000
Citizens Bank - 3000
Lowes -2850
Zales - 500
Boscov's Dept store - 400

I'm very proud of where I'm at now with my credit. It's not the best but it's getting much better. I have learned the hard way. Just because you have that much doesn't mean you need to spend that much!

[spjoink]

Wells fargo visa $30 000.00
Bank of Amerika us airways visa $ 36 000.00
citibank aadvantage $ 30 000.00
Juniper us airways $30 000.00
Juniper Orbitz $ 30 000.00
Chase freedom card $28 000.00
Us bank platinum visa $ 6200
Amex Blue $44 000.00
Amex Starwood $ 16 500
Amex Delta $20 000.00
Nasa Fcu $ 30 000.00

[AJ]

As Of March 2007

Chase World 29,600
Bank Of America World 27,000
PNC 15,000
Bank Of America Visa Platinum Plus 14,400
Gm Card 14,000
HSBC Direct Merchants 12,500
Citizens Bank 11,000
Capital 1 No Hassle MC 10,500
Amex Blue 10,000
Discover 9,000
HSBC Platinum 6,000