Frequent Contributor
Posts: 474
Registered: ‎02-27-2012

Re: What's your goal cc limits?

[ Edited ]

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 - $22.8k I NFCU Flagship Rewards Visa Signature - $10k I NFCU CashRewads Visa Signature - $10k I NASA FCU - $10k I Texell FCU Visa - $5k I Citi Double Cash - $3.6k I Capital One Quicksilver One - $750 I NFCU CLOC - $15k

EQ FICO - 672 (11/26/14) I TU FICO - 670 (11/26/14) I EX FICO - 699 (11/26/14)
Frequent Contributor
Posts: 353
Registered: ‎05-01-2007

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.
Frequent Contributor
Posts: 382
Registered: ‎10-26-2009

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,
Regular Contributor
Posts: 249
Registered: ‎07-21-2011

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

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+