Kaiokenryu wrote:If you had asked me if there was a forum for credit cards and the people who love them....I would have laughed at the thought of something so esoteric and niche.
There are forums on just about any topic. Credit isn't really so esoteric or niche as far as topics go.
Kaiokenryu wrote:I still struggle to know why someone would want 100k in charging/purchasing power....but I understand the badge of pride that comes with knowing you can pay your car off with card or cards if you HAD to.
It's not just about pride or bragging rights. It's not even about actually using the limits for me. For me, it's about keeping my utilization at ~10% for my usual spend without micromanagement.
Kaiokenryu wrote:is it too late for me to get CLI's 6 years after never being offered one or asking for one.
There's no cutoff for CLI's. In other words, your limits aren't locked after a certain timeframe regardless of creditor. The real limiting factor is your credit.
Kaiokenryu wrote:being "this late to the prom"...am i still able to afford the financial gifts afforded to those who knew about them from day one? I feel like the time behind me is lost and wonder if the effort im putting in to become what I should have been 6 years ago...is worth it. I have the discipline now....just not the free flowing cash i had when i didn't have a mortgage, kid, aging parent, new business....etc.
Sure. I didn't run across these forums until last year and I've been through a BK. It will take time but the information is still valuable and useful to anyone. Your credit reports aren't written in stone. Derogs and inquiries fall off over time. More cash flow can help but cash flow itself doesn't guarantee anything. There are those that don't have a ton of cash flow and good credit while there are those with a lot of cash flow and poor credit.