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Desirable total CL?

Valued Contributor

Re: Desirable total CL?


bichonmom wrote:

Open123 wrote:

For me, anywhere from $50K to $75K for personal cards.

 

With some recent card additions this year, I've gone above it, but I periodically cancel cards or request CLIs (except Chase--never do this with them) to keep around my preferred range.


Curious why you never do a CLI request w/Chase.

 


because they always HARD pull 

 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Super Contributor

Re: Desirable total CL?


OlegWasHere wrote:

bichonmom wrote:

Open123 wrote:

For me, anywhere from $50K to $75K for personal cards.

 

With some recent card additions this year, I've gone above it, but I periodically cancel cards or request CLIs (except Chase--never do this with them) to keep around my preferred range.


Curious why you never do a CLI request w/Chase.

 


because they always HARD pull 

 


A much more succint, concise, and straight to the point answer than mine!

New Contributor

Re: Desirable total CL?

well ask yourself this "Do I like paying credit card companies becouse I am wanting to carry a high balance?" That should answer your question.

Valued Contributor

Re: Desirable total CL?

Ideally I'd like about 75k in total limits. Given my average monthly spend, this would keep me at 9% util or lower without having to think about it. Up until now if I wanted to apply for a new card, I've been planning 2 months in advance. With 75k, I can safely stay under 9% util save December when I always have huge spending.

EX 798, EQ 789, TU 784
American Express Platinum (NPSL) || Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Barclays American Airlines Aviator Red World Elite Mastercard - $20,000 CL || Chase IHG Rewards World Mastercard - $25,000 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL || Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank Hilton Reserve Visa Signature - $20,000 CL || J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Established Contributor

Re: Desirable total CL?

100k

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Regular Contributor

Re: Desirable total CL?

I would like a 5000 limit with Chase freedom and upgrade to signature. This is my primary card... I have no other cards with this limit so getting the upgrade will make it difficult.
Regular Contributor

Re: Desirable total CL?

I requested an increase with Chase... No hard pull.
Frequent Contributor

Re: Desirable total CL?

0% APR. Use cash.

Garden mode till 11/19/2013 Amex Zync 500 H-L I Discover More 1750 I Capital One Rewards 1750 I Barclay Apple 1500 I Macys 2000 I Orchard 400 I Walmart 2000 I Chase Freedom 1500 I Lowes 1K l Barclay NFL 1K l Wright Express gas 2500 l PayPal Debit MasterCard BusinessCard $ ?
Senior Contributor

Re: Desirable total CL?


bodybuilder510 wrote:
I requested an increase with Chase... No hard pull.
very rare exception, if in fact they didn't HP, did you check all 3 cbr to confirm no hard pull?
DCU EQ 5.0, Citi EQ 08 Bankcard, PenFed EX NG2
EX 08: AFCU, Amex, Chase, PSECU EX 98(?)
TU 08: Barclays, Discover
Regular Contributor

Re: Desirable total CL?

Yes, no hards on all three. A soft pull on experian same day I requested the increase. The increase was approved with in 24 hours. I did in fact use the executive office for the increase but the gentleman was sure it would be a hard pull...