We all have reasons for requesting CLIs on our cards (or not doing so), it's actually quite personal.
As for any 'ranting', I'll just ask that out of respect for the OP and the folks subscribed to the thread to keep your posts on-point.
Nobody's saying 'ranting' is a bad thing, just that it has a place... usually in it's own thread so the folks who feel inclined to participate can do so, and others can simply ignore it. 
Of course it goes without saying that even 'rants' must be FSR... but everybody here already knows that. 
Freedom of expression, why I feel since my other cards are at 25k they all should be? Because I simply can
@Gmood1 wrote:
@redpat wrote:
@Gmood1 wrote:
@redpat wrote:These forums just kill me. I see individuals that charge 800 - 1000 a month and have many other cards with large limits wanting a larger limit on their Amex for no reason.
This game of credit card accumulation and clis are crazy. All this utilization paranoia is another issue that I only see here.
My Amex EDP was originally approved for 12k and charge 2k - 3k a month and have not hit the button because I have other cards in the same range or higher anyway. I think it's laughable when some think just because one card is at 25k they all need to be.
Enough with my rant, everyone have a great Memorial Day weekend.
What kills me is when people post rants in a thread that's requesting specific information and think the rest of us actually give a f@*&*! Lol
Have a great holiday weekend.
Aren't forums great.......You are right noboby gives a sh%*, lol!
One more point because I feel like ranting today and I already know nobody gives a......, remember when you use your cards nobody knows your CL except yourself so if it really makes you feel good to know that you have a 30K limit instead of a 15K and you only charge $1,000 a month good luck, maybe it's to put in your sig, lol!
Lmao...I believe you've completely overlooked the reason for having large credit lines. Monthly spend is one thing. Let's say my HVAC system goes out and I need a new one. For a really high tech one we're talking $12k to $15k. If all you have is a $15k limit.. you're going to max it out. Some companies won't let you split the bill between two CC's .
Sure you could finance it other ways. Others ways doesn't get me cash back though. I'd rather have the spending power when I need it than not have it at all. And capitalize on my miles or cash back.
Moral of this story , normal monthly spend has nothing to do with spending power. I'm not scared to bet. You have folks in this forum with less than $2000 a month in monthly spend. Their spending power is up into the hundreds of thousands if they so choose.
Why not have cards that allows you to use your spending power?
I have a feeling that these forums are not the norm for most with credit cards, I know it's not for me, lol!
Most don't use credit cards in the manner that you stated, big spend in that nature either comes from savings or home equity lines and I understand that you would use the credit card for rewards and pay from savings but most don't see that way.
I have a Business LOC and a home equity line which I prefer rather than having 300k in credit card limits all over the place. There is more to credit than just having tons of credit cards, if some need to do that than thats fine but not the norm.
Personal Cards: Amex Plat | Amex Delta Res | CSR | Citi AA Exec Business Cards: Ink+ | Amex BGR
@redpat wrote:I have a feeling that these forums are not the norm for most with credit cards, I know it's not for me, lol!
Most don't use credit cards in the manner that you stated, big spend in that nature either comes from savings or home equity lines and I understand that you would use the credit card for rewards and pay from savings but most don't see that way.
I have a Business LOC and a home equity line which I prefer rather than having 300k in credit card limits all over the place. There is more to credit than just having tons of credit cards, if some need to do that than thats fine but not the norm.
I agree, many of the folks here on the forum aren't the "norm" in many ways, and we come here to discuss things that many if not most people not on the forum would either have no need for or simply not be interested in. That's why, in my opinion, myFICO is such a cool place.
We all have different resources, different needs, and different goals - and what's a perfect fit for one person would be totally wrong for somebody else. There's no one-size-fits-all, and further even the right 'fit' can be completely subjective from one person to the next.
And that's OK.
@UncleB wrote:
@redpat wrote:I have a feeling that these forums are not the norm for most with credit cards, I know it's not for me, lol!
Most don't use credit cards in the manner that you stated, big spend in that nature either comes from savings or home equity lines and I understand that you would use the credit card for rewards and pay from savings but most don't see that way.
I have a Business LOC and a home equity line which I prefer rather than having 300k in credit card limits all over the place. There is more to credit than just having tons of credit cards, if some need to do that than thats fine but not the norm.
I agree, many of the folks here on the forum aren't the "norm" in many ways, and we come here to discuss things that many if not most people not on the forum would either have no need for or simply not be interested in. That's why, in my opinion, myFICO is such a cool place.
We all have different resources, different needs, and different goals - and what's a perfect fit for one person would be totally wrong for somebody else. There's no one-size-fits-all, and further even the right 'fit' can be completely subjective from one person to the next.
And that's OK.
I agree UncleB!
I think each individual has different needs,and we can't generalize on that. It's not a good idea to see things from ones own lens!! Most of us use credit cards for rewards and for getting good deals. I am sure most of us are having good savings too! If I use credit card for a large purchase and PIF, technically I am not spending beyond my means or what I can't afford! In this case I just accumulate rewards which I can use later for a world tour 
@babson wrote:
As a follow up, I started with a request at 45k and it asked for tax documents, I went back and re-requested until it stopped asking for documents - 34.9 was the magic # for me. I kind of wish I would have just submitted to see if the 45k would have been approved on my 124k income. Oh well, it will have to wait 6 months now.
Nice!!
I do think I left some loot on the table. I wasn't as patient with my submissions as you. Also as you've stated, we get to try again in 6 months.
It just gives me something to look forward to.
