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Regular Contributor
Bay_Area_Joe
Posts: 243
Registered: ‎10-05-2012

Re: What's your goal cc limits?

My first goal was to get credit, then to get more diverse credit, then break 10k on a card, then 10k on more than one card.  Then finally to get back in with AMEX for backdating.  All of these goals were obtained this month.

 

Next goals;

Get a single credit card to break 20k.

My goal is to break the 100k barrier of total credit limits.

Get more AMEX products for backdating purposes.  Each additional account will get me another 21 years....

Renew my personal LOC with Wells from 10k to 25k, hopefully April 2013 will do it.

 

I have been working hard, but the only thing that works is TIME...Darn Experian, so many prime CC use them, inquiries stink.....  and of course on time payments.

 

Thanks to myFICO forum I have been able to achieve goals to date.

 

J

 

 

$ 197,650 IN TOTAL CREDIT LINES.
MyFICO EQ 777 on 9/3/13 , MyFICO TU 787 on 9/3/13, MyFico EX Score 771 on 8/27/13
Pen Fed Visa 19k, Pen Fed LOC 20k, Citi Hilton Honors 15k, Chase Sapphire Preferred 19.9k, Citi MC Diamond Preferred 12.2k, Chase Marriott PR Sig Visa 12k, Chase Priority 5k, Sams Discover 20k, Amex Hilton Surpass 2k, BofA Hawaii 5k
Discover More 16.25k, Chase Southwest Visa 3.5k, Wells Fargo LOC 10k,
B of A Visa 20k, Wells Plat Visa 6.7k RC Willey 5k Discover IT 4k AMEX TE 2k
Valued Contributor
navigatethis12
Posts: 1,883
Registered: ‎01-24-2012

Re: What's your goal cc limits?

Id like to get above 10000 on a card, but am too afraid to ask for it lol. I would also like to get a higher limit card on the Visa/Mastercard network. The highest I have is 6000 and the higher limits are all on the wretched American Express network.

Established Contributor
zerobacan
Posts: 726
Registered: ‎01-13-2013

Re: What's your goal cc limits?

Get to 10k total revolving acc this year, Im in 4.5ks :smileyhappy:

 

and Get a descent 3 or 4ks since CC, hoping to achieve it when I can finnaly cut my hands of app again! and garden what I have....

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Established Contributor
FutureBillionaire
Posts: 638
Registered: ‎12-12-2012

Re: What's your goal cc limits?


shakalaka wrote:

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.


I agree with both of these thoughts.

Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward,
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
Frequent Contributor
Sweets8E
Posts: 262
Registered: ‎03-07-2009

Re: What's your goal cc limits?

My credit goal is to have all my major cards at $5k or better. $10k is the sweet spot, but I make $60k a year and after awhile, I'm guessing creditors will look at my salary and my available credit and think "Why does she even need more credit? What she has is more than sufficient." Which in fact is true, but it would be nice to have every single friggin card sitting at or above a $5k limit. At this point though, I feel very secure and just more at ease anyway because even if I do charge on one card heavily, it doesn't hurt my utilization much.

 

Here's to hoping to get the last 3 over the $5k mark.


Starting Score: 686 TU / 683 EQ 01/17/2013
Current Score: 703 TU / 691 EQ 10/04/2013 / 688 EX 11/12/2013
Goal Score: 700 across all three


Take the FICO Fitness Challenge
Regular Contributor
aplast
Posts: 150
Registered: ‎06-20-2012

Re: What's your goal cc limits?

I would like to finally cross 5k. I think that limit will suffice until my income grows some more.

American Express Green - NPSL, Sams Club Discover - 4000, Paypal Smart Connect - 4000, Capital One - 3500, Barclaycard Visa - 2500, Walmart - 1500, Discover IT - 1000, Ashley Furniture Home Store - 1000, Care Credit - 1000.
Established Contributor
LesWH
Posts: 608
Registered: ‎10-11-2012

Re: What's your goal cc limits?

My goal was to have a total revolving availability of $100,000 and I have done that. In fact it is a little over. I don't need anymore credit.


NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014






Community Leader
Valued Contributor
starry1
Posts: 2,073
Registered: ‎11-29-2012

Re: What's your goal cc limits?

I only want enough to cover any emergencies that might happen, maybe $10-20k total. I think any more than that might scare me a little.

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 7/28/14 TU 605; EQ 635; EX 632
Goal Score:  625 for now– New goal 675

Cap1 sec $700 (SD) / FP $300 (closed) / Fingerhut $1300 / nRewards $2.5k / cashRewards $1.5k / NavChek $2.5k
Amazon $1.7k / Walmart $1k / Von Maur $200 /Firestone $1.2k (last app 10/08/13)
Frequent Contributor
_jb_
Posts: 306
Registered: ‎01-16-2013

Re: What's your goal cc limits?

I never really had a limit, but thought $5,000 per card would be nice (I only want about 5 cards). Then my second CC was approved with a CL of $25,000 and that was a seriously good feeling. I have just over $30,000 total available credit now, and that is plenty for me right now, though I will strive for $5,000 per card just so I don't have to worry about utilization on any one card. I just want enough to pay for emergencies while woking overseas.


Starting Scores: myFICO EX: ???, myFICO EQ: 678, myFICO TU: 676 (01/2013)
Latest Scores: myFICO EX: 704, myFICO EQ: 702, myFICO TU: 718
My Wallet: Chase Sapphire Preferred, Discover It, NFCU cashRewards, Capital One Quicksilver, Chase Amazon Rewards
Gardening since 02/19/13
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011

Re: What's your goal cc limits?

I have 55k+ now, I'm aiming for 100k+ mainly because I prefer my Fico score to fly first class in luxury, and not have to face the rocky roads of credit / debt ratios :smileytongue:

 

Since I'm known to charge upto 10k a month or so, it's nice to not have to worry about paying my balance down RIGHT before the statement cuts to maximize my Fico score.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758

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