Credit Limit

[Cable God]

Originally posted by: Skoorb

Originally posted by: AdamSnow
How do you find your credit score ?

I'm interested in seeing what I'm at. never missed a payment, etc.

You can start at equifax.com...

EQ uses a FICO calc to get their scores on their site. If you buy directly from TU and EX, you get FAKO scores, which is NOT what a lender will get (FICO). Buy all three at myfico.com for the REAL scores.

 

[Vic]

Combined credit limits: ~$40k
Combined balances: $0

 

[CPA]

Originally posted by: RossMAN
Lowest is $500

Highest is $12,000

$28,000 on one.

Suck on that Grand Nagus 😛

My lowest is around $3,300.

Combined: Well over $100K. Yes, I have a lot of credit cards. No, they don't all have balances. In fact, I onle have about 8K in cc balance, all at 0% right now.

 

[Zombie]

Why do you keep the lowest credit limit cards? Clearly they have no use for you with other cards having a better limit and APR ?

I closed my CrapOne as soon as I graduated to cards with better offer.

 

[CPA]

Originally posted by: Zombie
Why do you keep the lowest credit limit cards? Clearly they have no use for you with other cards having a better limit and APR ?

I closed my CrapOne as soon as I graduated to cards with better offer.

Laziness to call and close is the only answer I have.

 

[RossMAN]

Originally posted by: CPA

Originally posted by: Zombie
Why do you keep the lowest credit limit cards? Clearly they have no use for you with other cards having a better limit and APR ?

I closed my CrapOne as soon as I graduated to cards with better offer.

Laziness to call and close is the only answer I have.

CPA is correct. 100% pure laziness.

I have a 10 page manifesto whine bitch gripe I'm on the rag letter I am going to send to Capital One to close my $500 cc. I just haven't gotten around to it yet.

 

[amdskip]

$1500 for mine, 21 years old, wish it was higher
I always pay it off in full every month

Parents have at least 1 or 2 15k ones

 

[Ranger X]

9k is my highest. I actually don't want too high of a credit limit because the higher it is, the more my potential thief can spend on it. The card I use the most has a 5k limit and I think that's perfect.

 

[beatle]

They (2) are a lot more than I'll ever spend.

 

[FrustratedUser]

$3500

 

[JustAnAverageGuy]

Don't have a CC.

 

[GtPrOjEcTX]

smallest is 2K, largest is 8.5K.

 

[dr150]

$65k Mastercard

Several others in the $40-$50k range

Amex is lowest at $30k

 

[cliftonite]

10K on Amex and 5K on Mastercard

 

[dullard]

$25,000: MBNA. This is the maximum of the platinum card I have. I was offered the upgrade from their platnum card (a quantum card with up to $250,000 limit and many more rewards) and I turned it down since I didn't want any strange activity on my credit report right before buying my first house.

$5,000: Discover.

I feel that is pretty good as a student. I could charge nearly double my yearly salary in one hour if I wanted to. Paying off in full and on time each month does that.

 

[Zombie]

Originally posted by: RossMAN

Originally posted by: CPA

Originally posted by: Zombie
Why do you keep the lowest credit limit cards? Clearly they have no use for you with other cards having a better limit and APR ?

I closed my CrapOne as soon as I graduated to cards with better offer.

Laziness to call and close is the only answer I have.

CPA is correct. 100% pure laziness.

I have a 10 page manifesto whine bitch gripe I'm on the rag letter I am going to send to Capital One to close my $500 cc. I just haven't gotten around to it yet.

haha, as soon as I got my AMEX in mail I called CapOne and closed the account. CapOne chose to close my account rather than offer me better credit limit and APR. 🙂.

 

[Viper GTS]

My main card (BankOne Amazon, 8.9% fixed APR) is ~$12,000.

21 years old.

Viper GTS

 

[FrustratedUser]

Originally posted by: RossMAN

Originally posted by: CPA

Originally posted by: Zombie
Why do you keep the lowest credit limit cards? Clearly they have no use for you with other cards having a better limit and APR ?

I closed my CrapOne as soon as I graduated to cards with better offer.

Laziness to call and close is the only answer I have.

CPA is correct. 100% pure laziness.

I have a 10 page manifesto whine bitch gripe I'm on the rag letter I am going to send to Capital One to close my $500 cc. I just haven't gotten around to it yet.

Actually keeping an old CC card could be a good idea. Closing old accounts can actually hit you credit because the length of your credit history will be shorter.

 

[UlricT]

one MILLION dollars!

 

[Rent]

Not nearly as much as some of the people in this thread, but enough (7k+)

 

[Crazymofo]

mine doesnt have a limit!

 

[FuZoR]

first cc.. $800 limit
its at $2800 now.... after like 18months.

 

[RossMAN]

Originally posted by: FrustratedUser

Originally posted by: RossMAN

Originally posted by: CPA

Originally posted by: Zombie
Why do you keep the lowest credit limit cards? Clearly they have no use for you with other cards having a better limit and APR ?

I closed my CrapOne as soon as I graduated to cards with better offer.

Laziness to call and close is the only answer I have.

CPA is correct. 100% pure laziness.

I have a 10 page manifesto whine bitch gripe I'm on the rag letter I am going to send to Capital One to close my $500 cc. I just haven't gotten around to it yet.

Actually keeping an old CC card could be a good idea. Closing old accounts can actually hit you credit because the length of your credit history will be shorter.

True but I have 10 years of "paid as agreed" credit with over 10 lines of credit/cc's. So I don't think closing one cc which I have never used will have a devistating impact on my overall credit history 🙂

 

[dionx]

credit union visa classic $1700
amazon.com visa platinum $5000
amex blue $3000
best buy $1100
compusa $1300

age: 22 FICO: 754

currently using 8% of my credit line, hopefully all getting paid off within a month