Zilvian Center for kids who can't finance good: & Finances, Credit, Card, Score

[240meowth]

Hello Zilvia, I'm new here.

As an old man, I wish I had more financial knowledge when I was younger. I was hoping maybe open up a channel for newbies to learn and experts to impart their wisdom. And maybe together we find a way to out-smart the system and buy some rota wheels with LED washers.

Here's what I know so far to get awesomesauce credit score by stealing sources from CreditWise; mainly six categories:

Payments Made on Time
BELOW AVG 0% - 1%
AVERAGE 2% - 59%
GOOD 60% - 89%
EXCELLENT 90% - 100%

Credit History:
BELOW AVG Less than 2 years
AVERAGE 2 - 7 years
GOOD 8 - 25 years
EXCELLENT More than 25 years

Credit Used:
BELOW AVG More than 60%
AVERAGE 30% - 59%
GOOD 10% - 29%
EXCELLENT Less than 10%

Credit Inquiries:
BELOW AVG More than 5
AVERAGE 3 - 5
GOOD 1 - 2
EXCELLENT None

New Accounts in past 2 year:
BELOW AVG More than 6
AVERAGE 5 - 6
GOOD 3 - 4
EXCELLENT Less than 3

Available Credit:
BELOW AVG Less than $2.5K
AVERAGE $2.5K - $15K
GOOD $15K - $50K
EXCELLENT More than $50K



Now, how to get a high roller Centurion? Or even establishing 50k+ credit limit?! As we can see, amount of credit available and amount of credit usage is significant. I have 2 cards:

Chase Freedom - 5500 Limit
CapitalOne Quicksilver - 6500 Limit

Do some cards give higher credit limit than others? What's your ridiculous credit limit like?