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What's your goal cc limits?

Established Contributor

Re: What's your goal cc limits?

I'd like to get my CC limits to where my monthly spending only reaches about 10% of utilization - so that would be somewhere in the range of $45k-50k, since my monthly spending is between $4k-5k.


AMEX PRG - NPSL I AMEX Everyday Preferred - $34.8k I Capital One Venture - $20k I Chase Sapphire Preferred - $25.5k I Chase Southwest Rapid Rewards Premier - $20.7k I Barclay Arrival + - $10k I Capital One Quicksilver - $10k I NFCU Flagship Rewards Visa Signature - $15k I NASA FCU - $10k I Texell FCU Visa - $5k I Chase Freedom - $9.9k I Citi Double Cash - $7.8k I Discover IT - $5k I NFCU CLOC - $15k I Total Unsecured Credit - $188,700

EQ FICO - 714 (5/24/16) I TU FICO - 772 (5/24/16) I EX FICO - 770 (5/24/16)
Message 31 of 34
Frequent Contributor

Re: What's your goal cc limits?

I just broke $10K yesterday, so I'm good for now.  I would like to all of my cards to be around $5K (and my cashRewards to jump above $10K) but I'm not jumping through any hoops to make it happen.

2011: EQ 580~
2012: EQ 620~
2013: EQ 641, TU98 645, TU04 635, TU08 635, EX 648 (lender)
Closed on first home 4/25/13.
Message 32 of 34
Frequent Contributor

Re: What's your goal cc limits?

My goal was 3 prime cards with good limits.  You can see where I am in my siggy.  From this point on I'm just going for auto-CLI's.  No need for more.



Starting Score: TU 672 EQ 654 10/20/09
Current Score: TU 775 EQ 783 EX 799 (PLUS)
AMEX Delta Platinum $35K, NFCU Visa Signature $30K, HHonors Reserve Visa $35K, WF $13.5K, IHG Rewards Club MC $25K
Message 33 of 34
Regular Contributor

Re: What's your goal cc limits?

I'm working on getting all my major bank revolving cards (3 currently, 4 when I add BCE in a few months) up to at least 10K. That should give me some leeway to let balances report without affecting my scores too much (I usually spend around 3K-4K a month). 


Starting Score (07/2011): EQ 706 TU 709
Current Score (6/2013): EQ 740 TU 732 EX 740
Goal Score: 750+ on all 3


Take the FICO Fitness Challenge
Message 34 of 34