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Established Contributor
Posts: 985
Registered: ‎09-10-2012
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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*
Valued Contributor
Posts: 1,460
Registered: ‎08-30-2011
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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 ! ! ! !

Diners Club Premier MasterCard $50K / AMEX Gold NPSL / AMEX Zync NPSL / AMEX Blue Cash Preferred $14K / Bank of America Cash Rewards Signature Visa $15K / Merrill Lynch Plus Signature Visa $15K / Wells Fargo Propel 365 $15K / Chase Sapphire Preferred Signature Visa $10K / J P Morgan Select Signature Visa $10K / Chase Slate Visa $6K / CITI Diamond Preferred MasterCard $13.2K / Discover IT $10.5K / IberiaBank Select Visa $8K / 1st Command Bank Platinum Visa $7.5K // Home Depot $9.7K / Lowes $10K

EX = 818 EQ = 822 TU = 830 - 01/2015
Established Contributor
Posts: 1,039
Registered: ‎02-27-2012
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Re: What's your goal cc limits?

[ Edited ]

$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: $0/$25,000, CSP: $0/$6500, Chase Priority Club: $0/$3500, Freedom: $0/$6000, Barclays NFL: $0/$7000 Discover: $0/$14,000, Citi Dividend: $0/$3500

EQ FICO - 728
TU FICO - 743
EX FICO(AMEX) - 712
Senior Contributor
Posts: 3,067
Registered: ‎11-02-2009
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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


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Established Contributor
Posts: 803
Registered: ‎05-16-2012
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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 773 , TU 772, EQ 771 Inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-2/0/0~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $11,000~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $19,400~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3500~ Amazon Store $7000~ Fingerhut $1050
Valued Contributor
Posts: 1,953
Registered: ‎03-30-2012
0

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 1/12/2014: TU FICO: 660 | EQ FICO: 665 | EX AMEX FICO: TBD

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $2500 | Amazon Rewards Visa: $1500 | Chase Freedom: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1600 | Target: $700 | J.Crew $9950
Valued Contributor
Posts: 1,339
Registered: ‎09-11-2012
0

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%
Valued Contributor
Posts: 1,524
Registered: ‎08-17-2008
0

Re: What's your goal cc limits?

[ Edited ]

I want to break the $20K limit :smileyhappy: I am currently at $16K! Hopefully this year :smileywink:

 

Edit to add break the $100K barrier! Almost there :smileyhappy:


$100K in Credit
Last Credit Card App: 11/16/13
Established Contributor
Posts: 569
Registered: ‎09-10-2012
0

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.

Amex Platinum (NPSL) | Amex BCE (33,400) | Chase Sapphire Preferred (24,800) | Discover IT (16,200) | Citi DCB (7,000) | CapOne (7,000) | Chase Freedom (6,300) | Walmart (4,500) | Alliant CU Visa | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)


Valued Contributor
Posts: 1,265
Registered: ‎09-14-2012
0

Re: What's your goal cc limits?

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

Never take credit personally

Amex BCP $24,900; Chase Sapphire Preferred $24,200; Chase Marriott $20,000; Discover It $12,500; Chase Ink Cash $15,000; Chase Slate $13,500; Citi TYP $12,900; Capital One Venture $15,000; Amex SPG Biz $3,000; DCU Visa $10,000; Logix FCU $15,000; Citi Home Depot $8,800; Lowes $8,000; Care Credit $6,000; Penfed Platinum Sig $16,000; Barclay Arrival Plus WEMC $15,000; US Bank PLOC Overdraft $1,500; US Bank Perks+ Visa Signature $8,600; US Bank Edge Rewards Business $10,000; PenFed PLOC $5,000

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