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What's your goal cc limits?

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
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 ! ! ! !

EX = 849 EQ = 850 TU = 850 as of 07/2017
Retired and Retiring Cards!
Message 2 of 34
Established 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: $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
Message 3 of 34
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
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
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
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
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
Highlighted
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.

Amex Platinum | Discover IT | Amex BCE | Citi DCB | Chase Sapphire Reserve | Chase Sapphire Preferred | CapOne | NFCU goRewards and CLOC | Chase Freedom | Walmart | Alliant CU Visa | Couple of Biz Cards | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO (TU/EX/EQ): 737/772/752 - Total CL 215+K

Message 9 of 34
Valued Contributor

Re: What's your goal cc limits?

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

Starting a whole new chapter
Message 10 of 34