CMS that lists balances with limits?

3 years ago

Tue Nov 23, 2021 11:39 pm

AllZero

Outlier

AllZero has been gardening for over 2 years.

Level29 Last INQSaturday, March 26, 2022 Gardening For2 years, 5 months, 12 days, 19 hours, and 15 minutes Next Level in18 days, 4 hours, and 45 minutes on September 26th INQ 1yr onSunday, March 26, 2023 INQ 1yr reached1 year, 5 months, 12 days, 19 hours, and 15 minutes ago INQ 2yr onTuesday, March 26, 2024 INQ 2yr reached5 months, 12 days, 19 hours, and 15 minutes ago

Can't help you there. The ones I regularly use needs expanding, e.g. Experian, WalletHub, CreditKarma.

3 years ago

Tue Nov 23, 2021 11:45 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, 15 days, 19 hours, and 15 minutes Next Level in15 days, 4 hours, and 45 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 19 hours, and 15 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 19 hours, and 15 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 19 hours, and 15 minutes ago

It hit me yesterday that it may have been Credit Sesame. I logged into that account for the first time in forever and it looks a lot different. There used to be a "My Debt" tab and I'm somewhat positive that it would then list out all of your cards with current balances/limits. I think it sort of showed a bar graph for each account... basically the right end of the bar was your limit and the left side your current balance. With the layout I see now though, it's not like that.

3 years ago

Wed Nov 24, 2021 12:53 pm

SoonerSoldier33

Seasoned RebelTeam Cash Back

Level9 Last INQMonday, November 27, 2023 Gardening For9 months, 11 days, 19 hours, and 15 minutes Next Level in19 days, 4 hours, and 45 minutes on September 27th INQ 1yr onWednesday, November 27, 2024 INQ 1yr in2 months, 19 days, 4 hours, and 45 minutes INQ 2yr onThursday, November 27, 2025 INQ 2yr in1 year, 2 months, 19 days, 4 hours, and 45 minutes Goal24 months Goal DateThursday, November 27, 2025 Goal In1 year, 2 months, 19 days, 4 hours, and 45 minutes

Credit Sesame Android app breaks it down like that:

Screenshot_20211124-115116_Credit Sesame.jpg 177.87 KiB Viewed 247 times

3 years ago

Thu Nov 25, 2021 12:08 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, 15 days, 19 hours, and 15 minutes Next Level in15 days, 4 hours, and 45 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 19 hours, and 15 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 19 hours, and 15 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 19 hours, and 15 minutes ago

Yes @SoonerSoldier33 that is how it used to look when logging in on the web. I've never used the app, but that's the look I was thinking of. Thanks!

3 years ago

Wed Dec 01, 2021 10:30 am

AllZero

Outlier

AllZero has been gardening for over 2 years.

Level29 Last INQSaturday, March 26, 2022 Gardening For2 years, 5 months, 12 days, 19 hours, and 15 minutes Next Level in18 days, 4 hours, and 45 minutes on September 26th INQ 1yr onSunday, March 26, 2023 INQ 1yr reached1 year, 5 months, 12 days, 19 hours, and 15 minutes ago INQ 2yr onTuesday, March 26, 2024 INQ 2yr reached5 months, 12 days, 19 hours, and 15 minutes ago

I just realized my credit union accounts (Unify Financial Credit Union and Chartway FCU) provide the summary line feature. Credit monitoring is powered by SavvyMoney. It offers free daily TransUnion VantageScore 3.0 score and report.

Not exactly what you were looking for BBB unless you have a financial institution that uses SavvyMoney.

3 years ago

Wed Dec 01, 2021 11:49 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, 15 days, 19 hours, and 15 minutes Next Level in15 days, 4 hours, and 45 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 19 hours, and 15 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 19 hours, and 15 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 19 hours, and 15 minutes ago

Unfortunately no.

I went to savvymoney.com thinking I could perhaps sign up, but it looks like it only provides it's product/services to FIs and not individuals.

FICO8 EX: 715 EQ: 724 TU: 735 As of 4/6/22

3 years ago

Thu Dec 16, 2021 4:13 pm

aj2121

Share Secured Rebel

aj2121 has been gardening for over 2 years.

Level28 Last INQSaturday, April 23, 2022 Gardening For2 years, 4 months, 15 days, 19 hours, and 15 minutes Next Level in15 days, 4 hours, and 45 minutes on September 23rd INQ 1yr onSunday, April 23, 2023 INQ 1yr reached1 year, 4 months, 15 days, 19 hours, and 15 minutes ago INQ 2yr onTuesday, April 23, 2024 INQ 2yr reached4 months, 15 days, 19 hours, and 15 minutes ago

Credit Karma will also do this minus having the bars that indicate the percentage used. You have to access it by going to Overview --> Score Details --> Credit Card Use

3 years ago

Thu Dec 16, 2021 8:34 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, 15 days, 19 hours, and 15 minutes Next Level in15 days, 4 hours, and 45 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 19 hours, and 15 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 19 hours, and 15 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 19 hours, and 15 minutes ago

aj2121 wrote: ↑Thu Dec 16, 2021 4:13 pm Credit Karma will also do this minus having the bars that indicate the percentage used. You have to access it by going to Overview --> Score Details --> Credit Card Use

Good call. It's a little less aesthetically pleasing than the CS display, but still provides the some info. Thanks!

3 years ago

Sat Dec 25, 2021 1:31 pm

AllZero

Outlier

AllZero has been gardening for over 2 years.

Level29 Last INQSaturday, March 26, 2022 Gardening For2 years, 5 months, 12 days, 19 hours, and 15 minutes Next Level in18 days, 4 hours, and 45 minutes on September 26th INQ 1yr onSunday, March 26, 2023 INQ 1yr reached1 year, 5 months, 12 days, 19 hours, and 15 minutes ago INQ 2yr onTuesday, March 26, 2024 INQ 2yr reached5 months, 12 days, 19 hours, and 15 minutes ago

@BrutalBodyShots It'll take a few clicks to get there. On WalletHub go to Credit Analysis tab -> Credit Utilization -> Expand arrow. It will show individual Accounts, Balance, Credit Limit, Utilization on one line.

3 years ago

Sat Dec 25, 2021 9:56 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, 15 days, 19 hours, and 15 minutes Next Level in15 days, 4 hours, and 45 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 19 hours, and 15 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 19 hours, and 15 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 19 hours, and 15 minutes ago

Awesome @AllZero , that's the best snapshot I've seen thus far! I like how it also gives totals at the bottom of each column as well. Now I just need that BoA hyperlink to appear so that I can push my TCL over 300 and my ACL back over 30...

WHsnapshot.jpg 102.73 KiB Viewed 197 times

3 years ago

Sat Dec 25, 2021 10:13 pm

AllZero

Outlier

AllZero has been gardening for over 2 years.

Level29 Last INQSaturday, March 26, 2022 Gardening For2 years, 5 months, 12 days, 19 hours, and 15 minutes Next Level in18 days, 4 hours, and 45 minutes on September 26th INQ 1yr onSunday, March 26, 2023 INQ 1yr reached1 year, 5 months, 12 days, 19 hours, and 15 minutes ago INQ 2yr onTuesday, March 26, 2024 INQ 2yr reached5 months, 12 days, 19 hours, and 15 minutes ago

I agree, it's a great snapshot. I don't usually navigate there. It would make more sense to have it prominent on the front page instead of tucked away. You're so close in breaking $300K. Good luck!

3 years ago

Sat Dec 25, 2021 11:06 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, 15 days, 19 hours, and 15 minutes Next Level in15 days, 4 hours, and 45 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 19 hours, and 15 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 19 hours, and 15 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 19 hours, and 15 minutes ago

Yes, this will definitely be my go-to going forward. Outside of BoA, there's not much further growth potential in my lineup. Maybe squeeze another $5k out of USB, maybe another couple thousand on that Amex card, but that's about it. ACL bump will come when I dump one of those Chase cards and reallocate limits to the other 2, bringing me from 10 cards to 9 with the same TCL. I guess if you and I scoop up Affinity cards that'll be a new one to play with

3 years ago

Sun Dec 26, 2021 1:17 am

AllZero

Outlier

AllZero has been gardening for over 2 years.

Level29 Last INQSaturday, March 26, 2022 Gardening For2 years, 5 months, 12 days, 19 hours, and 15 minutes Next Level in18 days, 4 hours, and 45 minutes on September 26th INQ 1yr onSunday, March 26, 2023 INQ 1yr reached1 year, 5 months, 12 days, 19 hours, and 15 minutes ago INQ 2yr onTuesday, March 26, 2024 INQ 2yr reached5 months, 12 days, 19 hours, and 15 minutes ago

You have a good strategy. Capital One has growth potential but may require too much spend for the limited amount of credit gain. True, easier pickup would be Affinity if you and I can score on a pre-qual / pre-approval offer.

Less work involved.

3 years ago

Sun Dec 26, 2021 2:05 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, 15 days, 19 hours, and 15 minutes Next Level in15 days, 4 hours, and 45 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 19 hours, and 15 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 19 hours, and 15 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 19 hours, and 15 minutes ago

I've sort of accepted that my Cap One will be my lowest limit card for life. It's just a Savor that gets used basically for dining out and entertainment that amounts to a few hundred bucks a month most cycles. If I go on vacation it may see $1k-$2k for a cycle once a year, but that's about it. As you suggested their CLIs are weak anyway (10%?) so not really even worth pursuing.

Here's to us seeing Affinity pre-quals in early 2022!

3 years ago

Tue Dec 28, 2021 3:24 am

AllZero

Outlier

AllZero has been gardening for over 2 years.

Level29 Last INQSaturday, March 26, 2022 Gardening For2 years, 5 months, 12 days, 19 hours, and 15 minutes Next Level in18 days, 4 hours, and 45 minutes on September 26th INQ 1yr onSunday, March 26, 2023 INQ 1yr reached1 year, 5 months, 12 days, 19 hours, and 15 minutes ago INQ 2yr onTuesday, March 26, 2024 INQ 2yr reached5 months, 12 days, 19 hours, and 15 minutes ago

You have the grandfathered no AF Savor, correct? It's a great card for those categories.

Outside of Affinity, are you considering getting any other new accounts to pump up your TCL / ACL?

Looking forward to 2022!