@Brooks14 wrote:I am curious as to what will the credit card companies do if you NEVER spend a lot or close to the credit limit.
For example - I have an Amex BCE card that i just 62 dayed from $3700 to $11,000. However I will NEVER spend close to that. I raised the limit purely for the utilization factor. To be honest I prob only will spend $300-$500 a month on it and pay it off in full each month.
So my question is what will they do?
Will they close the card?
Will they lower my limit?
Should I go back and lower my limit?
Or do they not care?
I will never spend anywhere near my BCE limit either, but I think as long as you use the card and limit responsibly, there will be no AA or anything else. I presume you mean will they CLD you since you are not using anywhere near the limit. I say no, but I may be totally wrong...lol. The best of luck to you.
@myjourney wrote:No need to worry I don't think most of us do
+1. I doubt I spend over 20% of my limits ever. And I don't generally let them report a balance.
@Brooks14 wrote:I'm not so concerned with spending the entire limit. More the fact I am only spending on average $400 a month on an $11,000 credit card. I heard they can close your account or decrease your limit. I'm nowhere near 5% of my credit limit each month. Just a little nervous.
On my BCP I have been doing this for a year now and always spent pretty much the same amount (approx 500$/mo) ..started with a 5K limit - asked for 10K at 61 day mark..still same low spending and then could not resist in trying the 25K CLI and still use a tiny charge every month and Amex approved even this CLI. Two days ago requested a APR reduction and even this Amex approved with my low spending. On the other hand I spend the full CL on Discover and have tried to CLI at 6, 9 and 1 year mark and to my surprise declined each time. Just yesterday I tried to lower APR and what a surprise Discover declined that as well. Both cards Amex and Discover I got in the same month...example how 1 card can grow and the other is only good to SD. I use all of my cards regularly but other than Discover I do not spend anywhere near the CL. Even Cap1 doubled my CL with very low spending......maybe low spending will wake up Discover 
I will now try it and only use it for the 5% categories and might use another card in combination with ShopDiscover if they do not want my business.
