$100k plus TCL? What’s Your Spend Per Month?

[DXness]

---

@Vash1 wrote:

Really good data points thank you. Never thought about applying for a cli during spending for a SUB bonus. Will keep that in mind.

---

It's also worth noting that this strat only works for the more liberal issuers like Amex if the SUB period is 3-4 months and for more conservative issuers you'd likely need a 6 month SUB period.  Some of them will not entertain a CLI under any circumstances until the 6 month mark.  If your profile aligns with Capital One's target demographic, there is actually the possibility of getting a 2x CLI before a new card even arrives (but most people will have their biggest CLI struggles with Capital One and you're pretty much already out of their sweet spot).

[nuriyakaila]

I’ve got a pretty high TCL too but honestly my monthly spend didn’t change much - limit’s nice for utilization, just don’t let it trick you into spending more.

[BrutalBodyShots]

Spend for me is mid 4-figures most months, with crossing 5 figures 1-2 times a year. Aggregate utilization organically lands in the 1%-4% range at all times.

[Vash1]

---

@DXness wrote:

---

@Vash1 wrote:

Really good data points thank you. Never thought about applying for a cli during spending for a SUB bonus. Will keep that in mind.

---

It's also worth noting that this strat only works for the more liberal issuers like Amex if the SUB period is 3-4 months and for more conservative issuers you'd likely need a 6 month SUB period.  Some of them will not entertain a CLI under any circumstances until the 6 month mark.  If your profile aligns with Capital One's target demographic, there is actually the possibility of getting a 2x CLI before a new card even arrives (but most people will have their biggest CLI struggles with Capital One and you're pretty much already out of their sweet spot).

---

Yeah I've been struggling getting a CLI with Captial One which still has the original starting limit when I first opened the card like 12 years ago. I've just started putting spend on it last month since it has the most room to grow, and get's me closer to the 100k goal hopefully.

[Guyatthebeach]

@Vash1, wth my personal TCL being 680k, my personal spend varies from 2800 to 6k monthly, depending on what I have going on. My business TCL is 140k with 3k in monthly expenses. Everything is PIF when statements cycle.

Guyatthebeach

[crystal626]

---

@Vash1 wrote:

---

@DXness wrote:

---

@Vash1 wrote:

Really good data points thank you. Never thought about applying for a cli during spending for a SUB bonus. Will keep that in mind.

---

It's also worth noting that this strat only works for the more liberal issuers like Amex if the SUB period is 3-4 months and for more conservative issuers you'd likely need a 6 month SUB period.  Some of them will not entertain a CLI under any circumstances until the 6 month mark.  If your profile aligns with Capital One's target demographic, there is actually the possibility of getting a 2x CLI before a new card even arrives (but most people will have their biggest CLI struggles with Capital One and you're pretty much already out of their sweet spot).

---

Yeah I've been struggling getting a CLI with Captial One which still has the original starting limit when I first opened the card like 12 years ago. I've just started putting spend on it last month since it has the most room to grow, and get's me closer to the 100k goal hopefully.

---

Capital One is the stingiest. I wouldn't throw a bunch of spend on there trying to coerce them into high increases.

[iced]

After a certain point, total CLI ceases to have anything to do with spending habits, assets in accounts, income, or score and instead comes entirely down to convincing a variety of lenders to extend you credit you almost certainly didn't even need or will use.

[Slowbro]

---

@nuriyakaila wrote:

I’ve got a pretty high TCL too but honestly my monthly spend didn’t change much - limit’s nice for utilization, just don’t let it trick you into spending more.

---

Same. 6 figure TCL, $10k/mo spend including home and auto. Have seen a CLD once in my lifetime.

[galahad15]

My TCL is $730k. Spend is between $2k - $3k per month.

[redpat]

---

@galahad15 wrote:

My TCL is $730k. Spend is between $2k - $3k per month.

---

Lol, that's a lot of plastic laying around....