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What's your goal cc limits?

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snowkitty
Established Contributor

What's your goal cc limits?

I'm curious....what is your goal credit card limit all together? All you can get, to match your salary or what?

When I started building my credit last year, my first goal was to just get approved (lol), then once I started getting cards I wanted to break the 5,000.00 credit limit on a card. I did that today with a new Amex BCE approval. I don't see really needing much more than 5k on any of my cards. So I'm curious what goals y'all set. Do you jusy always want more as you get more/better cards??
TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Message 1 of 34
33 REPLIES 33
thom02099
Valued Contributor

Re: What's your goal cc limits?


@snowkitty wrote:
I'm curious....what is your goal credit card limit all together? All you can get, to match your salary or what?

When I started building my credit last year, my first goal was to just get approved (lol), then once I started getting cards I wanted to break the 5,000.00 credit limit on a card. I did that today with a new Amex BCE approval. I don't see really needing much more than 5k on any of my cards. So I'm curious what goals y'all set. Do you jusy always want more as you get more/better cards??

Went over $100K this month, so I'm very satisfied with where I am.  I have the cards that I wanted and the limits are fine where they are.  If I get auto-CLI, cool...if not, I'm just fine with staying where I am!  Time to GARDEN big time ! ! ! !

Message 2 of 34
SwiftTone
Valued Contributor

Re: What's your goal cc limits?

$10,000 per card, $50,000 total CL. I was hoping to get over the $10k hump on my 61 day 3x CLI from $5400 starting CL to $15k. But they only gave me $8500. Disapointed to say the least but I only put about $700 through the card in 3 months so its expected.

AMEX: $25,000, CSR: $10,000, Chase Priority Club: $1,500, Freedom: $5000, Freedom Unlimited: $1000, Discover: $21,000, BoA $11,000, WF Cash Wise: $5000

EQ FICO - 753
TU FICO - 755
EX FICO(AMEX) - 766
Message 3 of 34
Walt_K
Senior Contributor

Re: What's your goal cc limits?

I like having my limits high enough to be able to book airfare and hotel for family vacations without having to worry about multiple payments.


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


Take the FICO Fitness Challenge
Message 4 of 34
calihlove75
Established Contributor

Re: What's your goal cc limits?


@snowkitty wrote:
I'm curious....what is your goal credit card limit all together? All you can get, to match your salary or what?

When I started building my credit last year, my first goal was to just get approved (lol), then once I started getting cards I wanted to break the 5,000.00 credit limit on a card. I did that today with a new Amex BCE approval. I don't see really needing much more than 5k on any of my cards. So I'm curious what goals y'all set. Do you jusy always want more as you get more/better cards??

I just want to get my first 5 digit limt...without a hard pull and recover from all my new accounts and inquiries over the last year. I am hoping in six months I will have all my scores at 760+ if I don't app.

 

My goal later this year is to obtain Discover with a high starting limit and low APR and maybe CSP. Perhaps a Citi card...but only because they have denied me twice and I think I just want the satisfaction of getting them to say yes..lol

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Message 5 of 34
injustifiiable
Valued Contributor

Re: What's your goal cc limits?

Eh, I would love at least one card with at least $5K at this point...something I can travel with without issues. For daily use, though, cards in the $1K - $2K range would be perfect.

 

Of course, the more the better. I'd just lock up most of them.

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 6 of 34
armbenderc
Valued Contributor

Re: What's your goal cc limits?


@snowkitty wrote:
I'm curious....what is your goal credit card limit all together? All you can get, to match your salary or what?

When I started building my credit last year, my first goal was to just get approved (lol), then once I started getting cards I wanted to break the 5,000.00 credit limit on a card. I did that today with a new Amex BCE approval. I don't see really needing much more than 5k on any of my cards. So I'm curious what goals y'all set. Do you jusy always want more as you get more/better cards??

10k per card is what I am aiming for non Amex.

25k is Amex!

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Message 7 of 34
chnceit
Valued Contributor

Re: What's your goal cc limits?

I want to break the $20K limit Smiley Happy I am currently at $16K! Hopefully this year Smiley Wink

 

Edit to add break the $100K barrier! Almost there Smiley Happy


Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
Message 8 of 34
shakalaka
Established Contributor

Re: What's your goal cc limits?


@Walt_K wrote:

I like having my limits high enough to be able to book airfare and hotel for family vacations without having to worry about multiple payments.


That´s a good one.

 

In additon: Enough to not worry about UTIL if a balance reports. Still PIF of course, but not before statement cuts. Aiming to pay on due date.



FICO (TU/EX/EQ): 773/766/778 - Total CL 255+K
Message 9 of 34
sccredit
Valued Contributor

Re: What's your goal cc limits?

I would like to break $100k in revolving lines this year

Message 10 of 34
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