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Regular Contributor
Posts: 209
Registered: ‎12-10-2010
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Itchy finger... Approved for PNC Flex 17.5K!!! (How much credit is too much???)

I was not supposed to apply for anything new until at least late this year, but PNC sent me a pre-approved offer (I bank with them) to be a Charter member for their new Flex card. I app'ed online on Monday and the final screen didn't let me know APR or CL, just that I'd receive my card in 7-10 days. I called this morning to find out I'd been approved for a CL of 17.5K! That is definitely my highest limit. I did have an app spree in December adding the Citi Plat Select (5,900, just got soft CLI to 8000) and Discover More (5500). I've had the Citi MTVu Visa since 2008 and it now has a limit of 11.5K. 


But how much credit is too much? I have at least 20 cards, including store cards. Will I get dinged for having too much credit? With the new card my total limits is over 60K of which I have 12K revolving (mostly 0% APR balance transfers, working on paying this down Smiley Tongue). Thoughts?


Here is my breakdown: 

PNC Flex - 17.5K Smiley Very Happy

Citi MTVU - 11.5K

Citi Plat Select - 8K

Discover More - 5.5K

BofA WorldPoints - 5K (also recent CLI)

Nordstrom Visa - 5K

Barclay (Apple Financing )Visa - 4.5K (recent auto CLI)

Amex Blue - 1K

CapOne 750 (this was a steps card, I've come a long way!!!)



Store Cards

Express - 2K

Banana Republic store card - 1.5K

Victoria's Secret - 650

Walmart - 350 (LOL)



6/13: FICO TU (Walmart): 750
6/13: FICO EQ (Score Watch): 769
Goal: 780+, 0 Balances, No app'ing! (For real this time!!!)
Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
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Re: Itchy finger... Approved for PNC Flex 17.5K!!! (How much credit is too much???)

Wow! You've got some nice accounts with nice limits. Congrats on this latest addition!!!

Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k

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