- Centurion Member
- Posts: 1099
- Joined: Sun May 04, 2014 4:41 pm
- Location: Atlanta, GA
mathman314 wrote:I've had my Freedom since the beginning of the year and yeah I get what you mean about wanting to start sooner. I remember pleaing my parents to be an AU on some of their cards but now knowing where I am now, I'm glad they didn't say yes as I built my profile from the ground up myself (self satisfaction thing).
And jfc...I can't believe you have all those cards, let alone your total limit and you just started last year
Without the hidden TLs included in there, I have about 41K in total credit, which is actually above what I always put as my income. I'd say my experience has been largely trial and error, and trust me, I made plenty of mistakes earlier on in my credit building like getting too many store cards (that most of which I ended up closing months later and also around the time I really started to post over at MyFico) after my FICO score started to generate, so that kind of made it a pain for me to get in with Chase and Barclays for a while. I've been heavily inspired by how my parents have had bad credit and how much trouble it was for them to not have good credit at all.
I still regret that somewhat and I also started out with a college version of the Citi Forward card last year with a starting limit of 1K, got in with CapOne and Discover with 6 months of history, Amex with 9 months, Chase with 11 months and Barclays and Bank of America at around 12-13 months. I'd say Chase and Amex have been the most generous with me out of all of them especially with being able to get other cards with them.
The other prime lender I don't really have anything with would be US Bank and I did have a Wells Fargo College Cash Back card I closed a few months ago. I'm just that kind of person that likes having a lot of options out there and having relationships with different lenders especially in case one of them decides to screw me over for something. Others feel more content with having just a few lenders to keep track of and I completely understand that perspective too.
All the major cards I have (save for the Ritz Carlton which I got approved for yesterday) are either in my wallet or in my drawer so I'm not kidding there at all.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)