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  1. #1

    Default How many lines of credit do you have?

    3 Rivers Fcu Visa $10,000
    GSB Gold $5,000
    GTE FCU Platinum Visa $8,800
    United FCU Gold $5,000
    Citi Platinum Select $1,500
    Citi Diamond Preferred $1,500
    Barklays Apple $550.00
    Capital One Sony $750.00
    Macys Store Card $5,000
    Macys Furniture Line $5,000
    Discover $1,000
    Home Depot $15,000
    Phillips 66 Card $800.00
    Sunoco $800.00
    Marathon $1,050
    JC Penny $500.00
    Target $300.00
    Wal-Mart $1,000
    Sams Club $600
    Amazon $1400.00
    Chase Health Adavance (Braces) $5,000
    HC Processing (BowFlex) $4,000
    Cabelas Club Visa $4,500
    3 Rivers FCU Line of Credit $3,000
    Dell $1,500
    Kohl's $1,500
    Monroe Tire and Brake $2,600
    Midwest America FCU Mortgage $46,500 (Balance)
    Midwest America FCU Auto $23,000 (Balance)

    TU Score= 711 Eq Score=704 Exp Score=710 DTI Ratio 20% Total Utilization 18%
    Last edited by patrick12; April 18th, 2012 at 02:06 PM.

  2. #2

    Default Re: How many lines of credit do you have?

    Bank of America AMEX $2,500
    Bank of America Visa $4,000
    Chase Freedom $2,000
    Citi Diamond Preferred $1,500
    Discover More $3,000
    HSBC $3,000
    Barclays Apple $2,000
    Federal Student Loan $9,000

    Experian 675 Equifax 691 Transunion 702
    Debt to Income Ratio 7%
    Utilization 34%

  3. #3

    Default Re: How many lines of credit do you have?

    I used to have a TON. I started weeding out the ones that were not treating me right; I cleaned house.

  4. #4

    Default Re: How many lines of credit do you have?

    Quote Originally Posted by derek1061 View Post
    Bank of America AMEX $2,500
    Bank of America Visa $4,000
    Chase Freedom $2,000
    Citi Diamond Preferred $1,500
    Discover More $3,000
    HSBC $3,000
    Barclays Apple $2,000
    Federal Student Loan $9,000

    Experian 675 Equifax 691 Transunion 702
    Debt to Income Ratio 7%
    Utilization 34%
    Great mix of cards. Scores are there. After awhile (years) you may even be able to weed the garden if needed. My biggest challenge is trying to use all the cards I have and pay them so they show current use/paid. Really would like to close a few but can't afford to as my "average age of account" would drop due to too many new cards and no old cards (like 12 to 16 years).

  5. #5

    Default Re: How many lines of credit do you have?

    Quote Originally Posted by patrick12 View Post
    3 Rivers Fcu Visa $10,000
    GSB Gold $5,000
    GTE FCU Platinum Visa $8,800
    United FCU Gold $5,000
    Citi Platinum Select $1,500
    Citi Diamond Preferred $1,500
    Barklays Apple $550.00
    Capital One Sony $750.00
    Macys Store Card $5,000
    Macys Furniture Line $5,000
    Discover $1,000
    Home Depot $15,000
    Phillips 66 Card $800.00
    Sunoco $800.00
    Marathon $1,050
    JC Penny $500.00
    Target $300.00
    Wal-Mart $1,000
    Sams Club $600
    Amazon $1400.00
    Chase Health Adavance (Braces) $5,000
    HC Processing (BowFlex) $4,000
    Cabelas Club Visa $4,500
    3 Rivers FCU Line of Credit $3,000
    Dell $1,500
    Kohl's $1,500
    Monroe Tire and Brake $2,600
    Midwest America FCU Mortgage $46,500 (Balance)
    Midwest America FCU Auto $23,000 (Balance)

    TU Score= 711 Eq Score=704 Exp Score=710 DTI Ratio 20% Total Utilization 18%
    WOW! I am impressed. How do you keep all these cards active and paid current? What I mean is I almost forget some of my cards so I have to pay close attention to see that they get paid. Just checked and found there are eleven bank credit cards, two department store cards, one gas card, one bank LOC and one business bank credit card.
    Last edited by Wanderer; April 23rd, 2012 at 10:59 AM.

  6. #6

    Default Re: How many lines of credit do you have?

    Wanderer, I use my cards in a rotation, I am VERY diciplined! I show activity on so many each month, then switch! Its working out very well for me, and MyFico future predicts me to be in the high 800's in two years! I know alot of lenders hate to see lots of open trades, but I have found its been a great score booster for me! Not to mention the fact most credit unions and banks use an automated underwriting system now, each time I have needed a line of credit rather it be a car loan or an increase on my credit lines, its always went system approved! There is this new system that credit unions are going to, its called Loans PQ and Account Express, the neat part of this program is they can integrate it into their core system, so when you go online to either open up a checking or savings account, it will soft pull your credit report and system approve you for other products that institution offers as well! Alls you have to do is click the offer, typically a Visa card, personal line of credit or a car loan! Then a rep from their institution will confirm you want that product, and you close on your loan by electronic signature! That Simple! This new program has increased most credit unions loan product sales by 86%! Thats amazing!
    Last edited by patrick12; April 22nd, 2012 at 03:46 PM.

  7. #7

    Default Re: How many lines of credit do you have?

    Issuer Credit Limit
    Citi Thank You Rewards Mastercard $25,000
    JP Morgan Ritz Carlton Rewards Visa Card $20,000
    Barnes & Nobles MasterCard $12,000
    Citi Forward Visa $10,100
    Chase Freedom Visa $10,000
    Citi Platinum Select Mastercard $9,500
    HSBC Platinum Rewards Plus MasterCard $9,000
    GUCU Platinum Visa Card $8,000
    Capital One VentureOne Rewards MasterCard $4,500
    Nationwide Bank Visa $3,500
    Discover More Card $2,500
    Gold Delta Skymiles Card $2,000
    Hilton Honors American Express Card $2,000
    Sam's Club Discover Card $1,600
    Walmart Discover Card $1,500

  8. #8

    Default Re: How many lines of credit do you have?

    Nice credit garden Faith!!!

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