Club3G Forums - View Single Post - Credit advice, ask questions or just get some.

Anus! · 08/02/2005, 07:49 PM

hey alen I have a couple questions.

1) I currently have the following.

one CC with a $10K limit and I just paid it off. I had about $3K on it consistantly for about 2 or 3 years. buying stuff like camera gear, vacations and then paying like $500 each month. so hopefully that will have helped my rating.

one savings account, one checking, one money market, and my car loan though my credit union.

one Checking account at BofA because I needed a local bank, the CU is only in a few cities.

Cell phone

AMEX gold card. Might be upgrading to platinum,

my questions are this.

Should I call and have the limit lowered? I like having that limit but I doubt I'd ever need that much. maybe $7500

can you have too many bank accounts? the one at the local bank only has like $1K in it because the limit is $750. I use it for expense checks from work, people send me check on my birthday, I get rebate checks...

How do the credit places deal with AMEX. no limit and you pay it off every month? if it doesn't help that's fine since their customer service is still great. but if they are hurting me in some way maybe I'll rethink it.

I'm going to pull my credit now on the experian site.

08/02/2005, 07:49 PM	#130 (permalink)
Anus! I Wangs Join Date: Dec 2001 Location: 1-888-9-ASSHOLE Vehicle: duh Posts: 33,331	hey alen I have a couple questions. 1) I currently have the following. one CC with a $10K limit and I just paid it off. I had about $3K on it consistantly for about 2 or 3 years. buying stuff like camera gear, vacations and then paying like $500 each month. so hopefully that will have helped my rating. one savings account, one checking, one money market, and my car loan though my credit union. one Checking account at BofA because I needed a local bank, the CU is only in a few cities. Cell phone AMEX gold card. Might be upgrading to platinum, my questions are this. Should I call and have the limit lowered? I like having that limit but I doubt I'd ever need that much. maybe $7500 can you have too many bank accounts? the one at the local bank only has like $1K in it because the limit is $750. I use it for expense checks from work, people send me check on my birthday, I get rebate checks... How do the credit places deal with AMEX. no limit and you pay it off every month? if it doesn't help that's fine since their customer service is still great. but if they are hurting me in some way maybe I'll rethink it. I'm going to pull my credit now on the experian site.