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1-2-3 BankAmericard Cash Rewards Recon Results


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After waiting for over a week in secondary review, I got the call today. My application was approved for a $500 credit line! So that takes me from $125,000 to $125,500!!! Very excited.

Hi,

 

Did you ask to speak with the next level up of authority regarding this matter?

 

If you did not you should what could it hurt? I assuming you would like a higher limit?

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I've been curious..but hesitant to ask. I don't want to possibly lemonade anyone off. But here goes lol. What in the hell do you need 125k in credit for?

 

Sent from my SM-G920V using Tapatalk

 

LOL! There are some people have $300,000 or more here.

Honestly, it's all about utilization for me. I'm now at about 0.005% utilization.

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I've been curious..but hesitant to ask. I don't want to possibly lemonade anyone off. But here goes lol. What in the hell do you need 125k in credit for?

 

Sent from my SM-G920V using Tapatalk

Just one example...

Thanks to this wonderful community and all of it's contributors

NFCU Visa 50k - Amex BCE 9k - Amex Hilton 9.9k - Amex Everyday 20k - PSECU 20k/20k - USAA MC 24k

Chase Slate 5k - Discover 24.5k - BOFA Visa 45k - Walmart MC 50k - Paypal SConnect 35k - Capital One MC - 33.75k

REI Visa 25k - Sony Visa 8k - PenFed Visa 50k - Chase Amazon 17k - Chase Freedom 25k -

Macys 1.8k - Citi Simplicity 24k - Citi TYP 9k - Sallie Mae MC 25k - USAA Amex 16k

Ashley Furniture 10k - Rooms To Go CC 25k - Choice Hotels Visa 4k -

 

Business Cards: Chase Ink Plus 19.5k - BOFA Cash Rewards 8.5k

Total Revolving lines (excluding business): $571,950

Fico Scores as of 5/15: EX 780 / EQ 785 / TU 802

KayveBear's Running Credit Thread

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I've been curious..but hesitant to ask. I don't want to possibly lemonade anyone off. But here goes lol. What in the hell do you need 125k in credit for?

 

Sent from my SM-G920V using Tapatalk

 

I have over $160K in CLs. Why? Utilization padding, and because I can. :grin:

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what's the difference between having $50,000 and $500,000 if your utilization is 1% or under for your credit score?

 

$4.5k

 

Well played. Although you need to put in every number for under 1% as well. How does it impact your credit score though?

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what's the difference between having $50,000 and $500,000 if your utilization is 1% or under for your credit score?

 

$4.5k

 

Well played. Although you need to put in every number for under 1% as well. How does it impact your credit score though?

 

 

$4.5k, or under :P

 

No impact... Just makes you a CS, CW, CP, etc.

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Lmao. .I knew I was gonna open a can of worms. But I get it...utilization. makes sense

 

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It does and it doesn't.

 

When is enough, enough?

 

 

When they say, "No".

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Lmao. .I knew I was gonna open a can of worms. But I get it...utilization. makes sense

 

Sent from my SM-G920V using Tapatalk

It does and it doesn't.

 

When is enough, enough?

Well that's why I asked...I mean you gotta admit having a quarter of a million dollars or more of revolving credit is....how do I say...uhhhh a bit much lol

 

 

 

Sent from my SM-G920V using Tapatalk

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Lmao. .I knew I was gonna open a can of worms. But I get it...utilization. makes sense

 

Sent from my SM-G920V using Tapatalk

It does and it doesn't.

 

When is enough, enough?

 

 

When they say, "No".

 

I'm not far from that wall. Lol.

 

I'm sitting at 180K in revolving credit line.

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Lmao. .I knew I was gonna open a can of worms. But I get it...utilization. makes sense

 

Sent from my SM-G920V using Tapatalk

It does and it doesn't.

 

When is enough, enough?

 

 

When they say, "No".

 

I'm not far from that wall. Lol.

 

I'm sitting at 180K in revolving credit line.

 

 

And Great scores! :good:

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what's the difference between having $50,000 and $500,000 if your utilization is 1% or under for your credit score?

 

$4.5k

 

Well played. Although you need to put in every number for under 1% as well. How does it impact your credit score though?

 

Credit scores are only part of what banks look at. When a major bank sees an applicant with sub 1k limits apply for credit they get in line and give out the same. When they see an applicant with 25k + limits they want to follow that trend as well. higher limits may not be useful to you today but if you find you need them they don't grow over night. You will have to have cultivated them over time.

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I've been curious..but hesitant to ask. I don't want to possibly lemonade anyone off. But here goes lol. What in the hell do you need 125k in credit for?

 

Sent from my SM-G920V using Tapatalk

I have over $160K in CLs. Why? Utilization padding, and because I can. :grin:

Dude. I like you're attitude! "because I can"

 

Sometimes "because I can" is all that matters.

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what's the difference between having $50,000 and $500,000 if your utilization is 1% or under for your credit score?

$4.5k

Well played. Although you need to put in every number for under 1% as well. How does it impact your credit score though?

Credit scores are only part of what banks look at. When a major bank sees an applicant with sub 1k limits apply for credit they get in line and give out the same. When they see an applicant with 25k + limits they want to follow that trend as well. higher limits may not be useful to you today but if you find you need them they don't grow over night. You will have to have cultivated them over time.

 

Sent from my SM-G920V using Tapatalk

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what's the difference between having $50,000 and $500,000 if your utilization is 1% or under for your credit score?

$4.5k

Well played. Although you need to put in every number for under 1% as well. How does it impact your credit score though?

Credit scores are only part of what banks look at. When a major bank sees an applicant with sub 1k limits apply for credit they get in line and give out the same. When they see an applicant with 25k + limits they want to follow that trend as well. higher limits may not be useful to you today but if you find you need them they don't grow over night. You will have to have cultivated them over time.
I agree that's why I'm reading the boards and following suit. I'm not dicking around with toy cards and such. For some of you guys..this shits sport for you lol

 

Sent from my SM-G920V using Tapatalk

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