Three simple questions

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1) What is the maximum number of credit cards + store cards which you have ever had?

2) What is the maximum amount of available credit which you have ever had (including only credit + store cards, excluding loans/overdrafts/mortgages)?

3) What was your annual income at the time when you had the most credit available to you?

Thanks
«13

Comments

  • [Deleted User]
    Options
    1) 4 credit cards - never had a store card.

    2) Probably about £20k although one of the cards was a charge card with no pre-set limit as such. The 'exposure' limit on the card was probably about £6k.

    3) Base salary of £35k although I was in a job where that could change significantly depending on what I was doing.
  • dzug1
    dzug1 Posts: 13,535 Forumite
    First Post Combo Breaker
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    Three simple questions maybe - but I don't know/can't remember the answer to any of them.

    Never had any problems in getting credit though - or paying it off. Never remotely approached any credit limit I may have had.
  • Wilkins
    Wilkins Posts: 444 Forumite
    Options
    1) 1

    2) £10k

    3) £50k
  • jakesuk
    jakesuk Posts: 226 Forumite
    Options
    dzug1 wrote: »
    Three simple questions maybe - but I don't know/can't remember the answer to any of them.

    Really? I find that a bit surprising. I manage my finances and know exactly the answer to all of them.

    Different people work and think in different ways, I suppose.
  • McKneff
    McKneff Posts: 38,833 Forumite
    Name Dropper First Anniversary First Post
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    One simple question from me.


    Why do you want to know?
    make the most of it, we are only here for the weekend.
    and we will never, ever return.
  • opinions4u
    opinions4u Posts: 19,411 Forumite
    Options
    1. A dozen or so.

    2. c£130,000.

    3. c£28,000.

    Can't beat a good stooze. Those were the days.
  • torbrex
    torbrex Posts: 71,340 Forumite
    Combo Breaker First Post Rampant Recycler Hung up my suit!
    Options
    1. 4

    2. £11,000

    3. Less than £5000
  • jakesuk
    jakesuk Posts: 226 Forumite
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    McKneff wrote: »
    One simple question from me.


    Why do you want to know?

    Fair question.

    I want to compare other people's circumstances to my own. I've had total credit available to me in excess of my annual income and that's generally perceived by people on this board as being something that would adversely impact my chances of obtaining new credit.

    Having a high available credit to income ratio doesn't seem to have impacted negatively on my chances of obtaining new credit. In fact, if anything, the more credit cards I've had the easier it's been to obtain new credit.

    Different lenders different scoring n all but was just curious to hear from others.
  • jakesuk
    jakesuk Posts: 226 Forumite
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    opinions4u wrote: »
    1. A dozen or so.

    2. c£130,000.

    3. c£28,000.

    Can't beat a good stooze. Those were the days.

    That's really interesting. Yeah, a good stooze on £130K at interest rates of a few years ago sounds attractive.

    Pity I got on the stoozing bandwagon after the party had just about stopped!
  • chattychappy
    Options
    1) 12

    2) c £110K (excluding Amex Plat chargecard - no published limit)

    3) Zero
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