PayPal Cashback - whopping SL!

2 years ago

Mon Sep 12, 2022 10:02 pm

JNA1

Seasoned Rebel

JNA1 has passed the 24 month threshold and is completely inquiry free!

Level24 Last INQThursday, September 1, 2022 Gardening For2 years, 15 days, 13 hours, and 27 minutes Next Level in14 days, 10 hours, and 33 minutes on October 1st INQ 1yr onFriday, September 1, 2023 INQ 1yr reached1 year, 15 days, 13 hours, and 27 minutes ago INQ 2yr onSunday, September 1, 2024 INQ 2yr reached15 days, 13 hours, and 27 minutes ago

Wow - Congrats! That’s a great SL on the PPMC. I’m not sure I’ve seen any higher!

TU8 799/EX8 786/EQ8 805 EQ5 770/EX2 757 8/18/2023

2 years ago

Mon Sep 12, 2022 10:25 pm

Saeren

Rebel Administrator

Recent HP or new account.

Level0 Last INQFriday, August 23, 2024 Gardening For24 days, 13 hours, and 27 minutes Next Level in6 days, 10 hours, and 33 minutes on September 23rd INQ 1yr onSaturday, August 23, 2025 INQ 1yr in11 months, 6 days, 10 hours, and 33 minutes INQ 2yr onSunday, August 23, 2026 INQ 2yr in1 year, 11 months, 6 days, 10 hours, and 33 minutes Goal6 months Goal DateSunday, February 23, 2025 Goal In5 months, 6 days, 10 hours, and 33 minutes

JNA1 wrote: ↑Mon Sep 12, 2022 10:02 pm Wow - Congrats! That’s a great SL on the PPMC. I’m not sure I’ve seen any higher!

Thanks man! It's crazy how much Sync seems to like my profile. I've had some real crazy limits with them considering my low income. I mean I'm only ~$1900 from my annual income again and I only have two cards with them and one of them has a less than $2K limit. Of course it does kind of suck that they gave me such a large limit because now I don't want to poke the bear and ask for more on the Amazon card lol. I guess I'll just use the Chase if I have a large purchase.

2 years ago

Mon Sep 12, 2022 10:26 pm

BrutalBodyShots

Senior AdministratorGoodwill Saturation Technique Author

BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!

Level27 Last INQMonday, May 23, 2022 Gardening For2 years, 3 months, 24 days, 13 hours, and 27 minutes Next Level in6 days, 10 hours, and 33 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 27 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 27 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 27 minutes ago

Great approval and strong SL! You're TCL has got to be top notch relative to income out of anyone out there. I'll declare you the unofficial TCL to income ratio champion until I hear of something greater!

TU8 799/EX8 786/EQ8 805 EQ5 770/EX2 757 8/18/2023

2 years ago

Mon Sep 12, 2022 10:28 pm

Saeren

Rebel Administrator

Recent HP or new account.

Level0 Last INQFriday, August 23, 2024 Gardening For24 days, 13 hours, and 27 minutes Next Level in6 days, 10 hours, and 33 minutes on September 23rd INQ 1yr onSaturday, August 23, 2025 INQ 1yr in11 months, 6 days, 10 hours, and 33 minutes INQ 2yr onSunday, August 23, 2026 INQ 2yr in1 year, 11 months, 6 days, 10 hours, and 33 minutes Goal6 months Goal DateSunday, February 23, 2025 Goal In5 months, 6 days, 10 hours, and 33 minutes

BrutalBodyShots wrote: ↑Mon Sep 12, 2022 10:26 pm Great approval and strong SL! You're TCL has got to be top notch relative to income out of anyone out there. I'll declare you the unofficial TCL to income ratio champion until I hear of something greater!

Thanks! I think the only one I have seen with more than me with similar income was AJC but he applied for basically everything whereas I actually am pretty selective with my applications. I will have to get a new TCL figure as my current one listed here is missing a few new cards (and so is my signature).

TU8 799/EX8 786/EQ8 805 EQ5 770/EX2 757 8/18/2023

2 years ago

Mon Sep 12, 2022 10:31 pm

Saeren

Rebel Administrator

Recent HP or new account.

Level0 Last INQFriday, August 23, 2024 Gardening For24 days, 13 hours, and 27 minutes Next Level in6 days, 10 hours, and 33 minutes on September 23rd INQ 1yr onSaturday, August 23, 2025 INQ 1yr in11 months, 6 days, 10 hours, and 33 minutes INQ 2yr onSunday, August 23, 2026 INQ 2yr in1 year, 11 months, 6 days, 10 hours, and 33 minutes Goal6 months Goal DateSunday, February 23, 2025 Goal In5 months, 6 days, 10 hours, and 33 minutes

BrutalBodyShots wrote: ↑Mon Sep 12, 2022 10:26 pm Great approval and strong SL! You're TCL has got to be top notch relative to income out of anyone out there. I'll declare you the unofficial TCL to income ratio champion until I hear of something greater!

Yeah it's up to $204,250 now. Wow.

2 years ago

Mon Sep 12, 2022 10:32 pm

BrutalBodyShots

Senior AdministratorGoodwill Saturation Technique Author

BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!

Level27 Last INQMonday, May 23, 2022 Gardening For2 years, 3 months, 24 days, 13 hours, and 27 minutes Next Level in6 days, 10 hours, and 33 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 27 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 27 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 27 minutes ago

Yeah if you figure it out definitely report back your TCL expressed as a multiple of your income. I'm curious to know and need to know the benchmark for Champion status in that category going forward

TU8 799/EX8 786/EQ8 805 EQ5 770/EX2 757 8/18/2023

2 years ago

Mon Sep 12, 2022 10:43 pm

Saeren

Rebel Administrator

Recent HP or new account.

Level0 Last INQFriday, August 23, 2024 Gardening For24 days, 13 hours, and 27 minutes Next Level in6 days, 10 hours, and 33 minutes on September 23rd INQ 1yr onSaturday, August 23, 2025 INQ 1yr in11 months, 6 days, 10 hours, and 33 minutes INQ 2yr onSunday, August 23, 2026 INQ 2yr in1 year, 11 months, 6 days, 10 hours, and 33 minutes Goal6 months Goal DateSunday, February 23, 2025 Goal In5 months, 6 days, 10 hours, and 33 minutes

BrutalBodyShots wrote: ↑Mon Sep 12, 2022 10:32 pm Yeah if you figure it out definitely report back your TCL expressed as a multiple of your income. I'm curious to know and need to know the benchmark for Champion status in that category going forward

10.24x

2 years ago

Mon Sep 12, 2022 10:45 pm

BrutalBodyShots

Senior AdministratorGoodwill Saturation Technique Author

BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!

Level27 Last INQMonday, May 23, 2022 Gardening For2 years, 3 months, 24 days, 13 hours, and 27 minutes Next Level in6 days, 10 hours, and 33 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 27 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 27 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 27 minutes ago

I can't say I ever seen anyone at > 10x, so the title is yours until someone else can reference otherwise!

TU8 799/EX8 786/EQ8 805 EQ5 770/EX2 757 8/18/2023

2 years ago

Mon Sep 12, 2022 10:54 pm

Saeren

Rebel Administrator

Recent HP or new account.

Level0 Last INQFriday, August 23, 2024 Gardening For24 days, 13 hours, and 27 minutes Next Level in6 days, 10 hours, and 33 minutes on September 23rd INQ 1yr onSaturday, August 23, 2025 INQ 1yr in11 months, 6 days, 10 hours, and 33 minutes INQ 2yr onSunday, August 23, 2026 INQ 2yr in1 year, 11 months, 6 days, 10 hours, and 33 minutes Goal6 months Goal DateSunday, February 23, 2025 Goal In5 months, 6 days, 10 hours, and 33 minutes

So somehow my math was off on my old signature because I thought 200K was too high and did the math again direct from my credit report. TCL = $187,650. So only ~9.41x. Boooooo!! lol

Still though, yeah, it's insane what I have been able to pull off and still have ACL over $8K.

2 years ago

Mon Sep 12, 2022 11:09 pm

BrutalBodyShots

Senior AdministratorGoodwill Saturation Technique Author

BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!

Level27 Last INQMonday, May 23, 2022 Gardening For2 years, 3 months, 24 days, 13 hours, and 27 minutes Next Level in6 days, 10 hours, and 33 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 27 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 27 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 27 minutes ago

Your CR doesn't include your new approval trade line though right?

TU8 799/EX8 786/EQ8 805 EQ5 770/EX2 757 8/18/2023

2 years ago

Mon Sep 12, 2022 11:19 pm

Saeren

Rebel Administrator

Recent HP or new account.

Level0 Last INQFriday, August 23, 2024 Gardening For24 days, 13 hours, and 27 minutes Next Level in6 days, 10 hours, and 33 minutes on September 23rd INQ 1yr onSaturday, August 23, 2025 INQ 1yr in11 months, 6 days, 10 hours, and 33 minutes INQ 2yr onSunday, August 23, 2026 INQ 2yr in1 year, 11 months, 6 days, 10 hours, and 33 minutes Goal6 months Goal DateSunday, February 23, 2025 Goal In5 months, 6 days, 10 hours, and 33 minutes

BrutalBodyShots wrote: ↑Mon Sep 12, 2022 11:09 pm Your CR doesn't include your new approval trade line though right?

No but I manually added that to it. I also added the hidden $14K business card manually.

2 years ago

Tue Sep 13, 2022 12:24 am

Birdman

Primer AuthorCo-Founder

Birdman has been gardening for over 2 years.

Level30 Last INQWednesday, March 2, 2022 Gardening For2 years, 6 months, 14 days, 13 hours, and 27 minutes Next Level in15 days, 10 hours, and 33 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 14 days, 13 hours, and 27 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 14 days, 13 hours, and 27 minutes ago

Uhhhh…(cough, cough). I really hate getting into specifics, but unless someone goes higher, thats 2d place. >x10. But, definitely in the ultra minority, I actually have not found anyone as high as @Saeren , well besides one. Actually I am floored and very impressed, but I can say that I somewhat expected it from @Saeren! Well done

TU8 799/EX8 786/EQ8 805 EQ5 770/EX2 757 8/18/2023

2 years ago

Tue Sep 13, 2022 2:12 am

Saeren

Rebel Administrator

Recent HP or new account.

Level0 Last INQFriday, August 23, 2024 Gardening For24 days, 13 hours, and 27 minutes Next Level in6 days, 10 hours, and 33 minutes on September 23rd INQ 1yr onSaturday, August 23, 2025 INQ 1yr in11 months, 6 days, 10 hours, and 33 minutes INQ 2yr onSunday, August 23, 2026 INQ 2yr in1 year, 11 months, 6 days, 10 hours, and 33 minutes Goal6 months Goal DateSunday, February 23, 2025 Goal In5 months, 6 days, 10 hours, and 33 minutes

Keep in mind that I was actually over $200K TCL before thanks to a lot of Sync exposure and I downsized myself so I definitely have been beyond 10x before. I don't know what it is about my profile that these banks like but it does make me wonder if I applied for everything that came to my knowledge like others have, but still didn't have any real debt to speak of, what my results would have been. It's just too much hassle to manage so many accounts and, in fact, I was considering closing some cards actually.

2 years ago

Tue Sep 13, 2022 8:11 am

BrutalBodyShots

Senior AdministratorGoodwill Saturation Technique Author

BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!

Level27 Last INQMonday, May 23, 2022 Gardening For2 years, 3 months, 24 days, 13 hours, and 27 minutes Next Level in6 days, 10 hours, and 33 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 27 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 27 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 27 minutes ago

Birdman wrote: ↑Tue Sep 13, 2022 12:24 am Uhhhh…(cough, cough). I really hate getting into specifics, but unless someone goes higher, thats 2d place. >x10. But, definitely in the ultra minority, I actually have not found anyone as high as @Saeren , well besides one.

Are you at > 10x @Birdman ?

2 years ago

Tue Sep 13, 2022 10:55 am

Birdman

Primer AuthorCo-Founder

Birdman has been gardening for over 2 years.

Level30 Last INQWednesday, March 2, 2022 Gardening For2 years, 6 months, 14 days, 13 hours, and 27 minutes Next Level in15 days, 10 hours, and 33 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 14 days, 13 hours, and 27 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 14 days, 13 hours, and 27 minutes ago

Saeren wrote: ↑Tue Sep 13, 2022 2:12 am Keep in mind that I was actually over $200K TCL before thanks to a lot of Sync exposure and I downsized myself so I definitely have been beyond 10x before. I don't know what it is about my profile that these banks like but it does make me wonder if I applied for everything that came to my knowledge like others have, but still didn't have any real debt to speak of, what my results would have been. It's just too much hassle to manage so many accounts and, in fact, I was considering closing some cards actually.

Yes I recall I’ve kept an eye on yours and been very proud of you and impressed with you. We started together and we learned together and we grew together. And all I can say is you have done an excellent job and I don’t think you could’ve done much better. Your work has been superb. You know you can’t grow too quickly and you’re right, it can be very overwhelming when it comes to the management. Likewise, mine could also be a lot higher, as I could’ve applied for more. I have not even kept up on my CLIs like I should, to be honest. But like you said having that many is a lot of management and takes a toll and with my lack of energy over the last year, well let’s just say I’m glad my energy is returning. Matter fact I need to evaluate and do some CLIs. And I need to join those credit unions I should’ve joined a year ago.