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How much available credit do you have?

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Glenn_S
Contributor

Re: How much available credit do you have?

 

$54,350 with 4.29% utilization.

 

$133,000 HH Income.

 

 


Starting Score: 617 on 1/2009
March 2015 Scores (Lender Pulled-Mortgage): TU: 733, EQ: 719 EX: 789
MyFico Score August 2023: 845;


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Message 31 of 48
mfoxxx
New Contributor

Re: How much available credit do you have?

135k. 

In the garden, Sep 10, 2015.
Message 32 of 48
Boragard
Established Contributor

Re: How much available credit do you have?

$10,250

Message 33 of 48
awal
Regular Contributor

Re: How much available credit do you have?

Including my line of credit, just over 60k
Starting Scores: 
Current Scores:  
Message 34 of 48
Repo-ed
Senior Contributor

Re: How much available credit do you have?

$56,500

 

Have an outstanding balance of $139 on my IT card - everything else is $0 #w00t

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891
Message 35 of 48
pr0blumz
New Contributor

Re: How much available credit do you have?

Would I be asking too much by asking everyone's income compared to their available credit?
Message 36 of 48
yellowcake
Regular Contributor

Re: How much available credit do you have?


@pr0blumz wrote:
Would I be asking too much by asking everyone's income compared to their available credit?

Income: 70k

 

Total Limits: 73K

Message 37 of 48
SorenX
Member

Re: How much available credit do you have?

I have an income of about $30,000 and, as of this morning when I logged into the Wells Fargo website and found an unexpected auto-CLI of $500, the total of all my credit lines comes to $7,700. This is broken down across five cards:

 

Discover IT:  $2500

Security Service FCU MC:  $2000

CapOne Platinum:  $1500

Wells Fargo Visa: $1200

AmEx BCE: $500

 

My personal goal for a little while now has been to get to $10,000. Why $10,000? Because I can think of a lot of scenarios where I might need that much, but I can't imagine really needing more than that and honestly having more is an invitation to get in trouble. I don't just focus on the "game" of credit but also on the practical application. Maybe something will come up and I don't have the cash and need to carry a balance and pay it off over time. I want to be prepared for that. 

Message 38 of 48
Jishosan
Established Member

Re: How much available credit do you have?

$14.1 Is my limit, utilization at the moment is about 58%. We're paying it down at a rate of about 2k per month, so we'll be all paid down in April or May. 

 

Honestly, my high utilization and low payments have kept my limits where they are for far too long. I'm planning on paying down, and then running 1-8% utilization for 6 months, and then requesting CLs on all my cards around the end of the year. My CC limit represents only 10% of our household income, so I think we have some room to grow there. 

In the garden til 8/31/14
Start 12/13: EX: 645 EQ: 676 TU: 672
GOAL: 720+ across the board
In my Wallet: Chase Southwest Rapid Rewards: $5,500; Capital One Platinum: $3,000; Barclay's Apple Visa: $2000; Chase Freedom: $2,000; Discover More: $1200; Orchard Bank: $400
Message 39 of 48
BootStraps
Established Contributor

Re: How much available credit do you have?

My limits are a little over 90k (until new card reports.. then 97k)

 

Income is little over 100k

 

Utilization is currently about 18.5%

 

 




Starting Score: All Under 590 (8/2011)
Current Score: Ex: 676 Eq: 681 Tu: 683
Goal Score: Ex: 725 Eq: 725 Tu: 725

Take the myFICO Fitness Challenge
Back in the Garden 4/22/16 Smiley Happy
Message 40 of 48
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