At what point it becomes too much Credit available?

[takeshi74]

There's really no one-size-fits-all answer to these questions.  Too much is whatever you can't handle.  Beyond that, it depends on your credit and the lender (they don't all use the exact same criteria).

[snowkitty]

I've been wondering about this as well because I now have more credit than income by about 7k. So does it matter more to the lender how much you have with them or how much you have as a whole with everyone?

[FinStar]

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@snowkitty wrote:

I've been wondering about this as well because I now have more credit than income by about 7k. So does it matter more to the lender how much you have with them or how much you have as a whole with everyone?

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It varies by lender.  Some lenders have an overall maximum exposure that thay can extend while others can determine you have too many available open TLs.

[longtimelurker]

As enharu said, the way you find out is when you get declined or have AA, too many variables to predict!  (Well, if you keep your CL at 0.01% of your income, you are probably safe!)

There is not a lot you can do before it happens, except to keep pruning any CLs that aren't useful any more.   Problem is that for many these are things like store cards with low CLs, so closing them doesn't impact total CL that much (unless you have lots of them.)