Gamma wrote:Oh man you're lucky to have all that available credit with that income. I make close to 28k a year and got about 32k available credit and I'm a bit afraid that if I apply for credit, I might get rejected because my credit exceeds my income. Good job on obtaining all that and good luck with your goal!
The way I look at it, it took over ten years to get to this point. I had terrible credit from 2000-2008. Once the negatives fell off, I was golden. The banks I've done business with for over a decade and who stuck with me (RTN FCU, NFCU) were the best and i'm loyal to them for sticking with me.
I'll be glad have $100,000 in credit and not use it or hardly use it.....so when I app for a mortgage or a new car the banks see I'm a responsible borrower and will hopefully give me lower APR. If any bank has an issue with my available credit, I'll just find another willing to do business with me.