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How much available credit do you have?

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Transmogrifying_Bee
Frequent Contributor

Re: How much available credit do you have?

Currently at $55,300 total credit, excluding Amex Green NPSL. 

 

However, I'm thinking of cancelling my three lowest CL cards, leaving me with only 6 cards.  Don't need that many cards, plus I'm tired of feeling obligated to keep at least a little charging activity on my lesser-used cards in a effort to try to avoid any card cancellations by the credit company for lack of activity!  I'd rather be doing the "cancelling!"

If I do this, my new total CL would then be about $48,300.

FICO Score 8: EQ 823 EX 817 TU 825 **** VantageScore 4.0: 825 **** VantageScore 3.0: EQ 823 EX 826 TU 825
TOTAL CL (6 cards): $141.0K **** INQUIRIES 2 yrs (1 yr): EQ 0(1) EX 0(0) TU 0(0) **** UTILIZ: 1 % **** GOAL: FICO Score 8: 840+
r>>
Amex BCE 30K || NASA FCU Rewards Visa 30K || Chase Sapphire Visa Signature 21.5K || PayPal Extras MC 20K
CITI Diamond Preferred MC 25.0K || Discover it 14.5K **** CLOSED 7 cards **** GARDENING since 9-26-2014
Message 41 of 48
apacislvallejo
New Contributor

Re: How much available credit do you have?

My Approximate Salary is north of $100K, which I've used for Credit Apps.  With the help of this board, I've got some incredible advice that resulted in the following:  

 

As of February 2, 2014

Total Credit Limit:       Current YTD:     $49,000 [Revolving Accounts Only]

Total Avail. Credit:      Current YTD:     $46,848 [Revolving Accounts Only]

 

In October 2013, it was the following:

Total Credit Limit:       As of 10/2013    $24,125 [Revolving Accounts Only]

Total Avail. Credit:      As of 10/2013    $19,455 [Revolving Accounts Only]

 

Since October 2013, the advice of these forums and community rooms, allowed me to increase my credit limits more than 50%.  Thanks guys!

FICO8 Updated: 3/11/2016
Eq: 803, Ex: 774, TU: 797
FICO9 Updated: 2/15/2016
Eq: 814; Ex: 793; Tu: 809 ----- TOTAL CL: $204,500
Message 42 of 48
mfoxxx
New 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?

200k. 

In the garden, Sep 10, 2015.
Message 43 of 48
Roarmeister
Frequent Contributor

Re: How much available credit do you have?

More than my income. Smiley Happy

Just under $135k including other credit means like LOC and mortgage cash account.

Starting Score: EQ 732 October 2007; Current Score: EQ 839; TU 865, July 2022;
Oldest Reporting EQ Account: 20.4 years; EQ AAoA: 9.9 years;
ACTUAL Oldest account 40.1 years; ACTUAL AAoA 19.3 years.





Message 44 of 48
vladrad
Contributor

Re: How much available credit do you have?

34,900$

 

Income 12,000$ Smiley Very Happy

 

 

Citi "Diamond Preferred" (1k), Bank of America (12k), Capital One - secured (0.7k), AMEX Green - (5k), Chase Freedom (4.5k), Chase Slate (3.2k), Discover (3,75k), Chase Explorer (19k), Oldnavy (2.2k), Chase Amazon (3k), Orbitz Rewards (8k), Citi Double Cash (10,4k),
Message 45 of 48
darkfrosty
Established Contributor

Re: How much available credit do you have?

currently have 60k .. thinking of lowering that
CSR | Ink Business Preferred | Amex Platinum | NFCU Cash Rewards
Message 46 of 48
WEShinego
Established Member

Re: How much available credit do you have?

Just tallied up my limits and realized that I'm over $100k at $102,500.  In July of 2013 I was hovering around $250... Woah.

Message 47 of 48
capitalkid
Regular Contributor

Re: How much available credit do you have?

99050

 

43K AI

 

10% Util 

Message 48 of 48
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