Credit Cards

[creditnocash]

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bichonmom wrote:

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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.

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

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because they always HARD pull 

[Open123]

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OlegWasHere wrote:

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bichonmom wrote:

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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.

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

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because they always HARD pull 

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

[skyisthelimit]

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.

[CreditScholar]

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.

[migliogiorni]

100k

[bodybuilder510]

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.

[bodybuilder510]

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

[Brian_Trying_700]

0% APR. Use cash.

[score_building]

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bodybuilder510 wrote:
I requested an increase with Chase... No hard pull.

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very rare exception, if in fact they didn't HP, did you check all 3 cbr to confirm no hard pull?

[bodybuilder510]

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...