Got a question, hope someone can answer... What are your views about those stupid " priceless " Discover Card commercials? Many thanks for any comment. Second question.. Ok so here is the deal. I started my own business about 7 years ago and financed pretty much all of it from credit cards.

First the "baddies": I made the mistake of getting a cell phone plan (in my name) in my business infancy that had way too few minutes on it. So I got a collection from 2003ish from ASSET ACCEPTANCE, but it shows 2005 as the "date open" date on my credit reports. I've already paid it a long time ago, but it is still on my report. Would "pay for deletion" an option?.

Anyway, my "PLUS" scores are 761, 723, 761..

Now my accounts:.

2 Discover accounts - 11 years old - $9600 limit and $6500 limit. I almost never use them..

1 Chase account - about 3 years old - a whopping $3000 credit limit - and I bank with them! Also almost never use it..

2 Amex *charge* accounts, one business and one personal. I use these all the time and run 6 figures+ a month through my business one and often tens of thousands through my personal amex.

I always PIF everything. I am 30 years old. I make great money now, my house is paid off, my cars paid off, money in the bank and no debt. But my credit limits - aside from amex which really aren't reported as credit limits are all very low. Even my wife who made peanuts before I met her had a $25k limit on her chase card..

What am I doing wrong?! I guess what I'm asking is how do I get a high limit with anyone but amex? And I realize high limits lead to high limits, but how do you get there? I thought about maybe doing the discover card automated CLI and seeing what the outcome was, but I'm hesitant to do anything that pulls a hard (i know the automated doesn't) if it's not going to be significantly worth it.

I'm solely interested in rewards cards, like discover escape, penfed visa, schwab visa etc. I'm not looking to rack up debt, I just want the rewards from my spend. But I also want to have healthy credit lines in case for whatever reason I get "amexed" (I've gone through FR several times with them, always went fine, but you never know in the future) and need to move my spending to another card. I'm not opposed to documenting income or whatever else an issuer would need.

I have several other cards that I have had in the past, but closed many of them years ago. I've also had about 20 car loans (seriously lol), but don't have any now, nor for the past several years..

Any help/suggestions?.

Thanks..