topic Re: Credit Cards: What's your ACL (avg credit limit)? in Credit Cards

Credit Cards: What's your ACL (avg credit limit)?

Anonymous — Wed, 19 Apr 2017 22:09:55 GMT

I see lots of questions asking about total credit limits, or credit limits relative to income. One thread I haven't seen yet is about your ACL, or Average Credit Limit.

ACL = Total (revolving) Credit Limits / Total # of cards

I'm just curious where the majority stands with respect to this number. From what I understand, if there's any FICO scoring benefit (if so, it's likely small) it's when this number is above about $10,500.

My ACL is $19,960 currently, which will no doubt drop when I go for another mini-spree in the next month or two.

Re: Credit Cards: What's your ACL (avg credit limit)?

K-in-Boston — Wed, 19 Apr 2017 22:19:51 GMT

Wait, let me close my Kohl's, Target, and newly-stripped Blue cards before I answer! $12,564 if I only include mine. $14,358 if I include AU cards. Ask me again in a year.

Re: Credit Cards: What's your ACL (avg credit limit)?

HeavenOhio — Wed, 19 Apr 2017 22:27:53 GMT

@Anonymous wrote:
I'm just curious where the majority stands with respect to this number. From what I understand, if there's any FICO scoring benefit (if so, it's likely small) it's when this number is above about $10,500.

That's the insurance score benefit. FICO doesn't care.

Re: Credit Cards: What's your ACL (avg credit limit)?

austinguy907 — Wed, 19 Apr 2017 22:27:18 GMT

@Anonymous wrote:
when I go for another mini-spree in the next month or two.

Blasphemous self sabotage!!!!

Re: Credit Cards: What's your ACL (avg credit limit)?

Anonymous — Wed, 19 Apr 2017 22:28:18 GMT

Pretty picayune, but then I'm in the midst of rebuilding and I got three of these cards in the last six months. Total of $7,251 spread across 4 cards, for an ACL of $1,812.75.

Re: Credit Cards: What's your ACL (avg credit limit)?

Berk — Wed, 19 Apr 2017 22:31:40 GMT

Mine's in my signature. You just have to do the math.

Re: Credit Cards: What's your ACL (avg credit limit)?

Kforce — Wed, 19 Apr 2017 22:31:49 GMT

Low=8,000 | Average=15,000 | High 24,000

Re: Credit Cards: What's your ACL (avg credit limit)?

iwazl71 — Wed, 19 Apr 2017 22:37:10 GMT

I'll play this game. 705k / 26 = 27,115. Largest line at 80k

Re: Credit Cards: What's your ACL (avg credit limit)?

CreditCuriosity — Wed, 19 Apr 2017 22:42:10 GMT

ACL = 15,750 ... Lowest by a decent margin goes to Discover at 4.5k(thanks buds) and highest goes to Penfed(30k).. Does not include LOC which would pretty much not move the needle much.

Re: Credit Cards: What's your ACL (avg credit limit)?

K-in-Boston — Wed, 19 Apr 2017 22:44:21 GMT

Insurance score? Rats! Like California and Hawaii, insurance companies can't use credit scores to determine rates in Massachusetts.

Re: Credit Cards: What's your ACL (avg credit limit)?

Anonymous — Wed, 19 Apr 2017 22:51:17 GMT

low: 6k

acl: 14k

high: 24.5k

Re: Credit Cards: What's your ACL (avg credit limit)?

Anonymous — Wed, 19 Apr 2017 22:56:35 GMT

Mine is 7078....not the worse I guess...haha..

Highest=$22000

Lowest=$1400

Average=$7078

113250/16=$7078

Re: Credit Cards: What's your ACL (avg credit limit)?

Anonymous — Wed, 19 Apr 2017 22:54:08 GMT

~$16k with AU, only about $7k without sadly AMEX pay over time doesn't count, and citi gave me a really disappointing SL :/

Re: Credit Cards: What's your ACL (avg credit limit)?

jamesdwi — Wed, 19 Apr 2017 23:53:26 GMT

Min $200 Target

ACL $7548

Max 25,100

Re: Credit Cards: What's your ACL (avg credit limit)?

tacpoly — Thu, 20 Apr 2017 00:21:29 GMT

ACL: 39,600

Re: Credit Cards: What's your ACL (avg credit limit)?

jdxprs1 — Thu, 20 Apr 2017 00:38:51 GMT

Low 500
ACL 1585
High 5,000

Re: Credit Cards: What's your ACL (avg credit limit)?

Anonymous — Thu, 20 Apr 2017 00:41:29 GMT

My cards and limits are in my signature.

Average limit: 6375

Range: 1000-11000

Re: Credit Cards: What's your ACL (avg credit limit)?

Revelate — Thu, 20 Apr 2017 00:50:21 GMT

Hrm, I'm interested too in developed files' lowest CL than their average just from reading the posts as I was was expecting larger skews. Hadn't looked at mine in a while and am also surprised by my average which is a lot higher than I would've guessed.

Low: 500

Average: 10900

High: 43500

Re: Credit Cards: What's your ACL (avg credit limit)?

Viva-LV — Thu, 20 Apr 2017 00:53:44 GMT

@iwazl71 wrote:
I'll play this game. 705k / 26 = 27,115. Largest line at 80k

All I can say: Scoreboard!

MIne: ave. $245K / 20 = $12,250. For now!

Re: Credit Cards: What's your ACL (avg credit limit)?

K-in-Boston — Thu, 20 Apr 2017 00:59:28 GMT

I weighed in too early it seems. Earlier I said:
$12,564 if I only include mine. $14,358 if I include AU cards.
I should now add:
Minimum is $1000 AmEx Blue (I moved $8k to SPG), minimum reporting now and an actual organic limit is Target MC at $2300. Highest is AU on wife's BOA alumni Platinum Plus @ $40k, or my BOA Travel Rewards @ $26,800.