He's not 100% wrong, but there are some flaws in his argument. He's right in saying that you need to actually utilize your credit in order to get bigger limits, and that your credit score is only one factor (yet a significant one) that determines whether you get approved for a particular card or not.
What’s The Limit On Your Biggest Credit Card?
- Thread starter Devil Plisken…CMS
- Start date
He's not 100% wrong, but there are some flaws in his argument. He's right in saying that you need to actually utilize your credit in order to get bigger limits, and that your credit score is only one factor (yet a significant one) that determines whether you get approved for a particular card or not.
right, nikka come in here talmbout he not gone read all that but think he actually is educated on some shyt.
reading is for the people who actually want to learn. 
DrunkenNovice
Superstar
FICO scoring gives you credit for history on closed accounts for 7/10 years.
15k on my oldest lowest rate platinum joint
5k each on my southwest airlines cards. I pay all my bills and expenses with them, haven't had to pay for a domestic flight in 5 years.
5k each on my southwest airlines cards. I pay all my bills and expenses with them, haven't had to pay for a domestic flight in 5 years.
100% wrong? prove it.
sometimes you have to close a card if you are expanding your portfolio to make a room for a new one but again, your method isnt the same as mine. a prime lender will deny you credit just by you having a card with a high limit whether there is a balance on it or not. so you obviously dont know what your talking about. some dont expand their portfolio. thats cool. but anyone here who knows anything about credit should know that your a) your membership number carries the age of your card and b) a closed card stays on your account for 10 years. so I can close one of my AMEX cards to make room for say two new ones. I have a membership of 20 years. so with the closed card, and two new ones together that would give me 60 years combined to divide into for avg age of accounts. Prime lenders will not give you a card sometimes if you fukking with sub-prime lenders, especially with toy limits. prove me wrong in any of what I just said or shut the fukk up.
breh, with all due respect, credit score is not that significant. its only significant if other things line up. there are too many other determining factors. like I said, I have a friend and we were apping at the same time (do your apps on the same day so they appear at the same time) and I got approved for 10k Diners Club card while she got straight denied and her score was higher than mine by almost 100 points. also important to note, she had a higher score than me but had a foreclosure. not to mention my income was higher. things like this matter...and it matters to who you app with. Barclays is more friendly towards bankruptcy and foreclosure than someone like Chase is for instance. just had a relative get turned down for auto loan for $8k a couple months ago with score in the 700's but he has no history because he been living off cash up until this point.
I use Southwest a lot but I dont have the card. There rewards program used to be even better than what it was years ago and before they changed their points bank (when tickets were transferable) you could really come off. but even now the program is better than most and with those cards I know you really come off, especially if you are using points to book flights well in advance. them $100 joints be like 5k points, which you can get in probably two decent flights using those cards.
I'm agreeing with you
I know thats why I dapped you, but you dont know how many people I hear daily that think their score entitles them to something and then they are shocked when it doesnt...but even worse...when someone with a worse score gets better shyt than them.
My wife have a high credit score and one of her oldest cards is her Victoria secret card which she had for 20 years with a 5k limit on it.. but because she didn’t use the card in over 2 years with a zero balance they closed the account and that shyt lowered her score.. She was pissed and called them up to curse them out. They told her she can reapply lmaooo
I do not have a credit card
I have been offered but nah I’m not the best at paying bills on time
I have been offered but nah I’m not the best at paying bills on time
DropTopDoc
Smokin my Opps like Patrick Mahomes pops
100% wrong? prove it.
sometimes you have to close a card if you are expanding your portfolio to make a room for a new one but again, your method isnt the same as mine. a prime lender will deny you credit just by you having a card with a high limit whether there is a balance on it or not. so you obviously dont know what your talking about. some dont expand their portfolio. thats cool. but anyone here who knows anything about credit should know that your a) your membership number carries the age of your card and b) a closed card stays on your account for 10 years. so I can close one of my AMEX cards to make room for say two new ones. I have a membership of 20 years. so with the closed card, and two new ones together that would give me 60 years combined to divide into for avg age of accounts. Prime lenders will not give you a card sometimes if you fukking with sub-prime lenders, especially with toy limits. prove me wrong in any of what I just said or shut the fukk up.
why would you have multiple Amex, you only need gold or platinum, and the business one if you have a business, nikka walking around with 50-11 Amex’s when the platinum does better then those co-op Amex’s and has better benefits but again you got it bruh, I’m not here to say I’m right and you wrong, folks just going to have to do research, and yes income plays a factor and other assets to asses whether you are able to afford higher debt but your score is still significant and one begets the other and go hand in hand it ain’t a lot of 750 and higher credit score people out there pulling down under 40k
@BigMoneyGrip aye, tell these nu nikkas mane. nikka said keep a credit card and put bubble gum and gas on it a few times a year. nikkas mustve never heard of Adverse Action.
they will slice your limit in half and again and again and then close that shyt. then your credit goes down. they dont know that if AMEX hard pulls your credit, and see what Chase gave you, they will give you MORE and vise-versa just because they are in competition with them for your business. I had an AMOCO gas card that I never used once and the 1-year anniversary of it they closed it. Thats when I first learned they would do that.that shyt HIT DIFFERENT when it says "closed by creditor"
I do have a confession to make and I am man enough to admit it, I just checked and AMEX no longer backdates to credit bureaus as of 2016. I dont know if any other card does or ever did. Still internally AMEX credits you with that time even if it no longer shows on your report. I did get to take advantage of this however for as long as it lasted.
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my nikka, just like you said there is no right and wrong. I usually keep two AMEX at once. A charge and a revolving. Yeah thats really all you need. I am authorized user on my wife/daughters because we all have different ones for the rewards. Currently I only have one on MY account, the Platinum because my Costco Business card switched from AMEX to Citi because Costco and AMEX ended their partnership. I use the Hilton and Delta ones though...again, just for rewards.
limits and all are cool, nothing to brag about really, and I couldnt anyway cuz some of you in here crush my individual limits 
I think a better question is....how strong your card is in benefits and whether you have AMEX, World or Signature cards. All of my cards from prime lenders are world or signature (which gives you AMEX like bennies and protection)
I think a better question is....how strong your card is in benefits and whether you have AMEX, World or Signature cards. All of my cards from prime lenders are world or signature (which gives you AMEX like bennies and protection)