Mid this year I'll reach the low 20s in available credit lines. All credit card. So, if I follow your path I could effectively triple that? That would be a full 3 years ahead of my schedule. If you would be willing to share... A year ago, what cards/ limits did you have? This year what cards/limits do you have? What did you do to increase your limits that dramatically? Are you building or rebuilding credit? If rebuilding... what are your negs on your report? Thanks for all the help! That's a great accomplishment you've done! Keep it up!