topic Re: Are you satisfied with your credit limits? in Credit Cards

Are you satisfied with your credit limits?

masscredit — Wed, 21 Oct 2015 03:48:42 GMT

I set credit limit goals for my cards. I'm happy when the cards reach those goals but I don't want to stop there so I set new goals. The cycle never ends. I guess in the end I want my limits to be as high as possible.

Are you satified with your current limits?

Re: Are you satisfied with your credit limits?

ddemari — Wed, 21 Oct 2015 04:09:31 GMT

i am not ever satisified with my limits i guess lol but my limits definitely work for me except target redcard been stuck at 300 dollars for over 2 years and i run anywhere from 50 to 200 dollars through it a month.

Re: Are you satisfied with your credit limits?

Anonymous — Wed, 21 Oct 2015 04:12:54 GMT

Yes- I am satisfied.

Re: Are you satisfied with your credit limits?

CreditMagic7 — Wed, 21 Oct 2015 04:44:49 GMT

@Anonymous wrote:
Yes- I am satisfied.

What he said ^

Re: Are you satisfied with your credit limits?

OmarGB9 — Wed, 21 Oct 2015 05:12:22 GMT

Isn't YIM a girl? (Seriously asking. Don't even know who's who anymore lol)

On topic: yes, I am satisfied with my limits for now. I'd like to grow them and see how high I can get, but for now I honestly probably have more than enough credit.

Re: Are you satisfied with your credit limits?

elim — Wed, 21 Oct 2015 05:15:42 GMT

never

Re: Are you satisfied with your credit limits?

Anonymous — Wed, 21 Oct 2015 05:20:59 GMT

Welllllll.....mostly satisfied If I could get all of them to 10k at some point that would be nice. Then 15k and so on.

Re: Are you satisfied with your credit limits?

Anonymous — Wed, 21 Oct 2015 06:16:03 GMT

100K+ total lines. never satisfied

Re: Are you satisfied with your credit limits?

Anonymous — Wed, 21 Oct 2015 06:22:55 GMT

No. But, I have went from 13k to 70k in just a few months so I have no right to complain. I am sure with time things will change, but I want out of the 2k routine. Amex and Chase issued me 5k, but everybody else goes below 5. :-)

Re: Are you satisfied with your credit limits?

UncleB — Wed, 21 Oct 2015 07:43:19 GMT

I'm mostly satisfied, but I would eventually like a little extra on my BCP (currently $1k), although right now that's actually sufficient since I only use it at Kroger and Publix anyway.

My only other 'straggler' is my Sam's Club MasterCard (currently $1500). I've not tried Credit Solutions yet (it's only three months old) but in a month or two I plan on seeing if they can give me a little more 'luv'. So far each month I've put $1k+ on it (each time PIF), so I hope their computer/CSR/etc. would keep that in mind. Everything I put on it is at the 3% cash back rate, so even if they stand firm I'm still doing OK.

As for the rest of my cards, my current limits are modest compared to many on here, but each of them are $5k+ which is more than sufficient for me.

Re: Are you satisfied with your credit limits?

Sharingan — Wed, 21 Oct 2015 13:48:45 GMT

Discover is the only card in my possession with a credit limit that I am truly dissatisfied with. I've had it since 2012 and I don't get any SP CLIs whatsoever. I took a HP a few months ago for an increase from 1500 to 3000. Most of my cards are in the 10-30k range. Discover will probably forever be my lowest CL.

Re: Are you satisfied with your credit limits?

fury1995 — Wed, 21 Oct 2015 14:04:05 GMT

This is a yes and no answer from me.

I'm satisfied with my overall credit limits (combined). I am unsatisfied with the number of cards I have that total them. If I could wave a magic wand, I'd combine all of the limits from each issuer into one mega-card from each lender. Most can be done over time but some cannot.

For instance, I'd prefer one big Comenity mega -multi-store card.. lol

Re: Are you satisfied with your credit limits?

Anonymous — Wed, 21 Oct 2015 14:29:43 GMT

I'm satisfied on all but my pottery barn card, I would like to get that to $5k and then I'm great!

Re: Are you satisfied with your credit limits?

Berk — Wed, 21 Oct 2015 16:01:00 GMT

@masscredit wrote:
I set credit limit goals for my cards. I'm happy when the cards reach those goals but I don't want to stop there so I set new goals. The cycle never ends. I guess in the end I want my limits to be as high as possible.

Are you satified with your current limits?

Considering I hardly ever go over 4% of available credit and I PIF every month, yes, I'm satisfied with my limits as I never come close to the limit on my lowest card.

Re: Are you satisfied with your credit limits?

Anonymous — Wed, 21 Oct 2015 19:29:45 GMT

I should be, since I have way more credit than I need. But, I'm not.

Re: Are you satisfied with your credit limits?

Rebuilding69 — Wed, 21 Oct 2015 22:19:38 GMT

lol CAPTOOL

I'm in my mid 40's & didn't even get into the credit game until 2 years ago. Always paid for everything with cash, and if I didn't have the cash I went without. My scores tanked due to medical bills(collections) piling up, so in a sense I guess I could have used credit earlier for those I suppose. I've now got like 25k total in credit which is way more than I even need considering I don't really use credit still except to pay off those pesky large medical bills. If it weren't for my medical bills on my CC's that I had to stick on there to avoid collections, I wouldn't even really be using my CC's.

I guess I'm still in the mindset of paying for everything with cash.

Re: Are you satisfied with your credit limits?

Scupra — Wed, 21 Oct 2015 22:33:28 GMT

I am happy with everything besides my Chase Freedom :/ $500 is just so irritating

Re: Are you satisfied with your credit limits?

Scupra — Wed, 21 Oct 2015 22:34:44 GMT

@OmarGB9 wrote:
Isn't YIM a girl? (Seriously asking. Don't even know who's who anymore lol)

On topic: yes, I am satisfied with my limits for now. I'd like to grow them and see how high I can get, but for now I honestly probably have more than enough credit.

You are correct

Re: Are you satisfied with your credit limits?

Countingpennies — Wed, 21 Oct 2015 22:47:38 GMT

I'm thrilled with most, way more than I think I deserve ($28k Barneys, $10kVenture, $8700 Barclays, etc.) except for Walmart at $600 for 2 1/2 yrs and Paypal Smart Connect at $800.

Re: Are you satisfied with your credit limits?

Anonymous — Thu, 22 Oct 2015 04:50:06 GMT

Overall, very happy. Low limit on my amex everyday, all other primes are 3500 or higher. Overall util is 10% worst cards are 50% and 35%