Established Member
Posts: 27
Registered: ‎01-29-2012

How much is too much for CLs?

This is what I have and their CLs

NFCU 20000
USAA 16000
USAA 12000/ 9200 Bal
USAA wife's I'm an AU 5200
Cabelas 4000
Mil Star 6400/ 1100 Bal

I make about 70k a year

Any insight from the experts?

1 October Eq 750

NFCU nRewards 20k, USAA MC 16k, USAA MC 13k, Cabelas 9k, Jeep MC 8.5K, Chase Mil Star 12k

Valued Contributor
Posts: 1,567
Registered: ‎09-15-2012

Re: How much is too much for CLs?

This is a little different, but similar enough that its worth posting.

In My Wallet: Amex BCP (12/12) $22.200, Cap1 Quicksilver (6/12) $14,000, Chase CSP (4/14) $12,000, Barclaycard Rewards (5/13) $10,500, Citi Forward (12/12) $9,600, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
Super Contributor
Posts: 8,014
Registered: ‎04-22-2013

Re: How much is too much for CLs?

At various times, there have been threads on CL/Income ratios.   It is all over the map, ranging from say 0.1 -5 or more.   And of course these aren't the maximums, just what people (report that they) have.   



New Contributor
Posts: 351
Registered: ‎06-02-2013

Re: How much is too much for CLs?

I wouldn't say you are too high. I have definitely seen higher ratios of CL's to income.

If women didn't exist, all the money in the world would have no meaning. -- Aristotle
Starting Score: 777
Current Score:  761
Goal Score:      800

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+