topic Re: Highest CL (on a card you barely use)? in Credit Cards

Highest CL (on a card you barely use)?

Anonymous — Thu, 22 Oct 2015 22:31:46 GMT

I'm a rewards-focused credit enthusiast. I like having decent CLs on everyday cards ($10k on EDP and $8.5k on Hyatt), but for me, getting high CLs isn't really a game in itself.

So, for some fun variation from the usual "high CL" threads...what's the highest CL you have on a card that barely gets any spending (or BTs)?

For me, it's a $6k CL on BCE. I only use it for offers, since EDP has better rewards. It would be rare for my balance to exceed $300 on BCE, and I can go months without using it if no good offers appear.

Does anyone have a $50k CL on an unused V/MC that pays 1% cash with no bonus categories or perks? Or a $30k CL on a store card you used for a $50 purchase two years ago?

Re: Highest CL (on a card you barely use)?

jsucool76 — Thu, 22 Oct 2015 22:34:20 GMT

My cap1 qs. 6.5k limit, only ever used for uber which is pretty rare.

Re: Highest CL (on a card you barely use)?

ddemari — Thu, 22 Oct 2015 23:28:51 GMT

30k lowes
30k Barneys
I use them but not no where near their max hahaha

Re: Highest CL (on a card you barely use)?

taxi818 — Thu, 22 Oct 2015 23:44:36 GMT

Delta amex 20k. barely use. but it will get some heavy usage in a few months. When i travel

Re: Highest CL (on a card you barely use)?

UncleB — Fri, 23 Oct 2015 03:38:41 GMT

I only use my two Visa cards when Discover isn't accepted... which is usually just for haircuts every 3-4 weeks. Each has a credit line of $7k.

Then there's Lowe's... my credit line is $7450. It's my oldest account (11 years) but in the last two-three years I've made one purchase for $60, which I PIF as soon as I got the bill. I'm actually waiting for them to CLD that one at some point (which I hope they don't, but it's not the end of the world if they do).

Re: Highest CL (on a card you barely use)?

jamesdwi — Fri, 23 Oct 2015 03:40:51 GMT

not sure if counts for barely used, BCP $15,000 rarely has more than a $1k balance

for non-used cards,

Lowes 10k Limit $0 balance

Wamart store card 10k limit $0

Re: Highest CL (on a card you barely use)?

barthooper — Fri, 23 Oct 2015 03:49:32 GMT

For the next year my 13k Quicksilver will only be seeing my gym membership, which can't be paid with Discover, and anything from a place where Discover is not accepted, so I can take full advantage of my year of double cash. Besides that my 1500 Barclay Rewards has been seeing less than $100 a month for over a year.

Re: Highest CL (on a card you barely use)?

Anonymous — Fri, 23 Oct 2015 06:53:50 GMT

I have $20k on my BCE and don't charge a cent to it most months. I hope Amex sees that is because I put everything on my PRG and doesn't lower my limit. One day I will get sick of PRG annual fee and go back to the BCE.

Re: Highest CL (on a card you barely use)?

willwar14 — Fri, 23 Oct 2015 10:11:40 GMT

4.9k on my Old Navy card, regret opening the account, plan to close asap.

Re: Highest CL (on a card you barely use)?

odd_dog — Fri, 23 Oct 2015 11:28:23 GMT

40K on Diners Club....only use it to pay for Vehicle registration every year.....

Re: Highest CL (on a card you barely use)?

takeshi74 — Fri, 23 Oct 2015 13:37:06 GMT

@Anonymous wrote:

So, for some fun variation from the usual "high CL" threads...what's the highest CL you have on a card that barely gets any spending (or BTs)?

$30K on a PPCR and we only spend maybe $300/month on gas these days.

There are cards that see much less use than that but they have limits that are a bit lower than that.

Re: Highest CL (on a card you barely use)?

j615 — Fri, 23 Oct 2015 20:18:01 GMT

WF Cash Back Visa Card at $12,500.

$7.99 Netflix monthly.

It's my oldest card open. I have little to no hope, but maybe one lucky day it'll become a 2% cash back card like Citi DC.

Re: Highest CL (on a card you barely use)?

Anonymous — Fri, 23 Oct 2015 17:55:39 GMT

My $10K Venture1 sees absolutely no action whatsoever after I hit the spend bonus.

Ended up getting the regular Venture (what I wanted, hit the wrong apply button) so all my spend goes through there. That CL is big enough so if any of my other accounts were to get closed, I'd be just fine. One day I'm crossing my fingers I can combine them. If not it will stay SD until they close it......

Re: Highest CL (on a card you barely use)?

UFGuy2006 — Fri, 23 Oct 2015 21:22:55 GMT

60k - Freedom.

Re: Highest CL (on a card you barely use)?

Anonymous — Fri, 23 Oct 2015 21:32:10 GMT

my care credit. I even took a HP to bring it from 6800 to its current limit. I will use it some day for sure but its helped my utilization. I need to decide on splitting the joint account next time I go for a CLI. The rep said you cannot split a joint account. You have to close and reapply. But this is my oldest account, has been open since April 2013. Thinking that in the next year or two I will have to evaluate this.

@odd_dog wrote:
40K on Diners Club....only use it to pay for Vehicle registration every year.....

Doesnt that have an AF? Kind of a waste of a hidden tradeline? Just curious?

Re: Highest CL (on a card you barely use)?

Anonymous — Fri, 23 Oct 2015 21:51:22 GMT

I've got $10k on a Synchrony Gap card. I only got it because I happened to get some jeans there once and they offered 50% off my purchase if I signed up for the card. I rarely if ever shop there or any Gap brand so it's become my Netflix card. I also don't like to use it for purchases because it's not cash back, it's only store credit.

I really don't want it anymore but hesitate to close it due to the high limit.

Re: Highest CL (on a card you barely use)?

Anonymous — Sat, 24 Oct 2015 02:43:46 GMT

@Anonymous wrote:
I've got $10k on a Synchrony Gap card. I only got it because I happened to get some jeans there once and they offered 50% off my purchase if I signed up for the card. I rarely if ever shop there or any Gap brand so it's become my Netflix card. I also don't like to use it for purchases because it's not cash back, it's only store credit.

I really don't want it anymore but hesitate to close it due to the high limit.

I obviously can't see your full profile and history, and in particular I can't see your utilization and the age of each account. Strong CLs with Amex and Chase would suggest at first glance that you might be fine without it.

Re: Highest CL (on a card you barely use)?

icyhot — Sat, 24 Oct 2015 11:45:00 GMT

Probably the $10K on my Macy's. I'm really thinking about closing it after I've had it two years to free up some TCL space and give myself more breathing room to get $10K on my majors

Re: Highest CL (on a card you barely use)?

Bmac66 — Sat, 24 Oct 2015 12:59:54 GMT

My USAA AmEx at $14k. It's a higher rate at 17% and not great rewards. I use for work related travel and expenses only when I can pif with my expense account.

Re: Highest CL (on a card you barely use)?

Anonymous — Sat, 24 Oct 2015 13:10:19 GMT

CL of $25k on my NASA Cash Rewards. I have only swipped once since I got it in March.