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I'm under 30 and my revolving credit limits add up to around 58k.
ilovepizza: But I'd say I only know 1 person under 30 yrs with over $40k in total rev credit. That's a lot of money.
@haulingthescoreup wrote:
OP, most of the members here with high scores and high CL's have pretty long histories, which accounts for both. And they frequently say that these high limits were automatic CLI's. They tend to have relatively few cards (3-5), so I'm sure that makes their CCC's more generous.
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@MattH wrote:
@haulingthescoreup wrote:
OP, most of the members here with high scores and high CL's have pretty long histories, which accounts for both. And they frequently say that these high limits were automatic CLI's. They tend to have relatively few cards (3-5), so I'm sure that makes their CCC's more generous.
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Yep, all the above applies to me -- the oldest of my four credit cards is over 25 years and the newest about 10, with no baddies on any of them. I consistently pay the full balance each month, and have never gone anywhere near the limit, nor have I ever asked them to raise the limits. I believe the interest rates on all my cards are under 8% but I don't pay close attention since I don't pay interest on CCs anyway, my only debts are the mortgage (30-year fixed rate) and a car loan which will be gone in a couple months (a 2000 Camry which I got in 2004 and plan to keep for at least another year).
I do see regular soft inquiries from the credit card companies checking to see that my FICO score remains in the upper 700s to 800 plus range.