I am the credit card king!

For just about anything you want to get off your chest about credit cards.
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requiredfield
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I smell an authorized user!

Postby requiredfield » Tue Oct 11, 2011 11:38 pm

Being counted in your cards, that is. PenFed's max per member is 50k, this also explains the same card product. I highly suspect the same with the other doubled card products.

Subtracting them I get

American Express Blue Cash - 25k limit
American Express Blue - 25k limit
BOFA Cash Rewards- 1.3k Limit
BOFA Visa - 50k Limit
Best Buy Credit Card - 15k limit
Capital One Venture Card - 30k limit
Chase Freedom - 20k limit
Chase Slate 2.5k limit
Citibank Platinum - 7.3k limit
Pentagon Federal Credit Union Cash Back Visa - 50k limit
PNC BANK Cash Back Visa - 7.5k Limit
PNC BANK Points Visa - 7.5k Limit
PNC BANK Flex Visa - 7.5K limit

13 @ 248.6k
I suspect more of these are your wife's too. Making her the credit card queen?


Mine... all mine!
17 @ 260k

Chase extends me 63.5k
PenFed 50k
BoA/FIA (I've hit my limit with them) 30k
Citi 27k

I'm not going to list them all because it will give you a clue to two more big issuers you haven't hit yet. No, not Discover. Which is strangely absent from you portfolio.

My utilization? I pay before they cut, making it infinitesimal.

King, I doubt it. Couple seems much more likely. Hell, I think I have you (and you alone) beat and I know there are others out there beating me, thoroughly. Is FW too big of a pond for you? Credit used to be a hobby of mine, I haven't been an active participant in years. The death of the FIA 2% card is what reignited my current participation.


d.unbelievable
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Postby d.unbelievable » Mon Mar 26, 2012 9:50 pm

requiredfield wrote: Credit used to be a hobby of mine, I haven't been an active participant in years. The death of the FIA 2% card is what reignited my current participation.


what is the FIA 2% card?

Crashem
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Postby Crashem » Tue Mar 27, 2012 7:27 pm

d.unbelievable wrote:what is the FIA 2% card?


FIA is an awesome card! 2% cash back with some caveats. Fidelity Investments American Express.

As for credit, I have a personal LOC of 400k from well fargo with sub 3% interest (not a heloc). Forget everything else although I hear LOC above a certain amount aren't used in revolving credit calculations.
Amex Centurion, Amex Platinum, Amex BCP 8k->24k (5/23/12), Amex TE 15k, Cap One 1.5% 15k->20k (8/7/13), CSP 25k, Chase Palladium 100k, Citibank AA 35k (AU), Firestone 1.8k->2.2k->2.4k (8/20/12), JFCU Jloc 30k, PenFed Plat Rewards 30k, SF Fire 30k, US Bank Cash+ 25k

JCarter
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Postby JCarter » Sun Apr 01, 2012 10:40 pm

YourFinancesSimplified wrote:Enough small talk. Let's get into the pissing contest shall we! The rules are simple you must disclose:

1. Total amount of credit cards
2. Total available credit
3. Utilization rate (Must use last statement balance. I don't care if you Pay in Full)

The people will decide who is the credit card king. I would love your comments.

WHY I AM KING!

1. 16 credit cards (RAWR)
2. 336,1600 (LIKE A BOSS)
3. 1.76% (Credit Utilization Maverick)


I find this a bit obscene, but hey why not. I guess I could go ahead and burst your bubble to stop your spamming your blog. I am sure you would love our comments, but spamming is generally frowned upon.

American Express Blue Cash Preferred - $250k Limit
American Express Centurion - No Limit (Pre-approved upto $300k in purchases w/o call)
Ameriprise MasterCard World Elite - $250k Limit
JPMorgan Palladium MasterCard - $5MM Limit (10% of Liquid in CMA)
PenFed Platinum Cash Rewards - $50K Limit
PenFed Platinum Rewards - $50K Limit
Chase Sapphire Preferred - $100k Limit
United MileagePlus Explorer - $150k Limit
Marriott Rewards Premier Visa - $100k Limit
Capital One Venture Rewards - $51k Limit
Citi Executive AAdvantage World Elite - $250k Limit
Citi Thank You Prestige - No Limit (Pre-Approved upto $250k in purchases w/o call)
Merrill Lynch Merrill+ - No Limit (Pre-Approved upto $5MM in purchases w/o call)
Merrill Lynch Accolades - No PSL
UBS Charter Amex - No PSL
UBS Preferred Visa - $5MM Limit
Fidelity Investment Rewards AmEx - No PSL
Fidelity Investment Rewards Visa - No PSL
Japan Credit Bureau Card - $125k Limit
Discover More - $25k Limit
Diners Club US Carte Blanche - No PSL

1. That is 21 personal cards, that are all mine, not authorized user or corporate cards.
- Roar?
2. Ignoring the no preset limit cards I have an available limit of: $11,401,000
- Actually, I am a boss. One of many.
3. Utilization: 0% (All cards are paid prior to statement closing).
- Watch out Maverick, Goose is right there with you.

JCarter
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Postby JCarter » Sun Apr 01, 2012 10:43 pm

requiredfield wrote:Being counted in your cards, that is. PenFed's max per member is 50k, this also explains the same card product. I highly suspect the same with the other doubled card products.


It's actually $50,000 per card, as long as you hold more than $100,000 in CD products.

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PlatinumAMEX94
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Postby PlatinumAMEX94 » Sat Apr 14, 2012 3:43 pm

JCarter wrote:I find this a bit obscene, but hey why not. I guess I could go ahead and burst your bubble to stop your spamming your blog. I am sure you would love our comments, but spamming is generally frowned upon.

American Express Blue Cash Preferred - $250k Limit
American Express Centurion - No Limit (Pre-approved upto $300k in purchases w/o call)
Ameriprise MasterCard World Elite - $250k Limit
JPMorgan Palladium MasterCard - $5MM Limit (10% of Liquid in CMA)
PenFed Platinum Cash Rewards - $50K Limit
PenFed Platinum Rewards - $50K Limit
Chase Sapphire Preferred - $100k Limit
United MileagePlus Explorer - $150k Limit
Marriott Rewards Premier Visa - $100k Limit
Capital One Venture Rewards - $51k Limit
Citi Executive AAdvantage World Elite - $250k Limit
Citi Thank You Prestige - No Limit (Pre-Approved upto $250k in purchases w/o call)
Merrill Lynch Merrill+ - No Limit (Pre-Approved upto $5MM in purchases w/o call)
Merrill Lynch Accolades - No PSL
UBS Charter Amex - No PSL
UBS Preferred Visa - $5MM Limit
Fidelity Investment Rewards AmEx - No PSL
Fidelity Investment Rewards Visa - No PSL
Japan Credit Bureau Card - $125k Limit
Discover More - $25k Limit
Diners Club US Carte Blanche - No PSL

1. That is 21 personal cards, that are all mine, not authorized user or corporate cards.
- Roar?
2. Ignoring the no preset limit cards I have an available limit of: $11,401,000
- Actually, I am a boss. One of many.
3. Utilization: 0% (All cards are paid prior to statement closing).
- Watch out Maverick, Goose is right there with you.



Carter (Or should I say Simba), I really think you should put all those in your signature. I am just WAITING for UPS Greg to drop his two cents in about all your annual fees.
American Express Platinum Personal, Member since 94
Chase United Explorer - Visa Signature
Chase Sapphire Preferred
American Express Business Simply Cash

American Express Costco Business, American Express Platinum Business
Bank of America 10k, Capital One Venture World MasterCard 7.5k, Fidelity Visa Signature 10k
Citibank ThankYou Premier World MasterCard - Card Member since 91, 25k
Discover 10k Member since 91, Wells Fargo Personal & Business Visa Signature
USAA World MasterCard 12k, Chase Slate Exclusives Visa 5k

Lifelock member, USAA credit monitoring, Security Freezes E/E/TU, 800+

Moneytalks
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Postby Moneytalks » Sat Apr 14, 2012 4:39 pm

PlatinumAMEX94 wrote:Carter (Or should I say Simba), I really think you should put all those in your signature. I am just WAITING for UPS Greg to drop his two cents in about all your annual fees.


*UPS Gregg

JCarter, you are my hero LOL!!
Wallet: Amex BCE & Chase Freedom. (Credit Card dieting since 2014)

jbman04
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Postby jbman04 » Sun Apr 15, 2012 1:19 pm

Sir, you just got owned.
Chase Amazon Rewards Visa (5k Limit): debit card replacement
3% amazon, 2% gas, 2% restaurants, 2% pharmacies, 1% other

Chase Freedom Visa (5k Limit): rotating 5% catagories, 1% other

Citi Diamond Preferred Mastercard (3k Limit): No interest for 18 months

Target Store Card: 5% discount! And free shipping online!

JCarter
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Postby JCarter » Sun Apr 15, 2012 5:58 pm

PlatinumAMEX94 wrote:Carter (Or should I say Simba), I really think you should put all those in your signature. I am just WAITING for UPS Greg to drop his two cents in about all your annual fees.


He could only complain about my American Express fees. The other get waived or paid for in another avenue.

Carter is my last name, my first name is Jacob.

irvine801
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Postby irvine801 » Sun Apr 15, 2012 9:34 pm

jacob your a F****** boss. That's insane!! :) what do u do for a living? Your list of cards is so crazy. What's the everyday card blue cash or centurion?
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit



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