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

Snook_on_the_Line · ‎05-15-2026

I spend probably 2-2.5k per month on gas. groceries, dining out and all the utilities ect

insurance I pay by the year or 6 months in full so those months it's significantly higher

but CLIs and new approval don't really have much to do with how much I spend (except with cap1) It comes from keeping reports clean and *trying* to space out applications

basically every card I ask for a cli on I get it because I follow the rules on how long you have to wait between requests and I keep my overall uti low (having a TCL over 100k deff helps with this) and my reports are clean

NFCU Flagship $29k
Lowe's Rewards $35k
Chase Prime VS $17.5k
Citi Custom Cash $16.4k
Citi AA Platinum $18.8k
Citi AA Platinum $9.5k
USBank Smartly $10k
Prime Store Card $7.5k
Cap1 Savor $2750
BofA Customized Cash $2.5k
Ficos in the 750s
8% uti (0% BTs)

US Bank Business Triple Cash $3k
AMEX Blue Business Plus $2k

Vash1 · ‎05-15-2026

@Saleen099 wrote:

Monthly spend Mmmmmmmm

Literally made my jaw drop. That almost hits the 75k spend for the year on the platinum and reserve card for the extra benefits. That's literally my total spend in a year

Platinum (NPSL), Gold (NPSL), CSR (30000), DiscIT (11500), CFU (7900), WFA (4000), Apple (4500), BARCALAY(6600), BBP (2000), QS(700)
Fico 8: TU 786, EX 793, EQ 798
Current as of 5/2024

galahad15 · ‎05-27-2026

Sorry, just a quick correction: after recently receiving some new cards, my updated TCL is $780k, rather than $730k as I had previously posted.

US Bank Split WMC @ 0% grace period for 3-6-12 mos. on all purchases, 1.5% mo. fee for 6-12 mo. items, $15k

PACU Premier Privileges Rewards MC @ 7.5% F with 1.5% rewards, $20k

Unify FCU Variable-Rate VISA Platinum @ 8.49% V, $15k

EPFCU Smart Rewards MC @ 9.25% V with 1% rewards, $6.5k

FNBO BucksBack VS @ 9.75% V with 1.5% rewards, $85k

BoA Customized Cash Rewards WMC @ 9.99% F with 3.75% cat. rewards (Preferred Rewards), $50k

Andrews FCU Titanium Rewards VS @ 11.49% V with 3%/1.5% rewards, $5k

BoA Unlimited Cash Rewards VS @ 12.74% V with 1.88% rewards (Preferred Rewards), $17.6k

Cap1 Venture MC @ 13.4% V with no AF, 2% rewards, $24k

Unify FCU Fixed-Rate VISA Platinum @ 14.49% F, $25k

BoA Customized Cash Rewards MC @ 15.49% V with 3.75% cat. rewards (Preferred Rewards), $14.3k

Redstone FCU VS @ 15.75% V with 5%/3%/1.5% rewards, $10k

AOD FCU VS @ 16.25% V with 3% rewards, $7.5k

PenFed Pathfinder Rewards VS @ 16.99% V with no AF, 4x/1.5x rewards points/dollar, $12.5k

BoA Customized Cash Rewards MC @ 17.49% V with 3.75% cat. rewards (Preferred Rewards), $20.4k

Citi DC WEMC @ 17.49% V wuth 2% rewards, $8.9k

AAA Daily Advantage VS @ 17.74% V with 5%/3% cat. rewards, $12.5k

Amazon Prime VS @ 17.74% V with 5% cat. rewards, $35k

US Bank Cash+(x2) @ 18.49% V with 5% cat. rewards, $32k

Cap1 T-Mobile VS @ 18.49% V with 5% on all T-Mobile purchases / 2% on all other purchases, $12k

PayPal CashBack MC @ 18.74% V with 3%/1.5% rewards, $25k

Wells Fargo Autograph VS (x2) @ 18.99% V with 3% cat. rewards, $42.5k

FNBO BucksBack VS @ 19.49% V with 2% rewards, $23.5k

Citi Custom Cash WEMC @ 21.49% V with 5% cat. rewards, $39.32k

Citi Custom Cash WEMC @ 21.49% V with 5% cat. rewards, $5k

Amex BCE @ 24.74% V with 3% cat. rewards, $25k

WF Attune WEMC @ 28.74% V with 4% cat. rewards, $2.5k

PayPal Credit MC @ 29.89% V with 0% / 6 mos. on all PP purchases $149+, $10k

Former cards:

DMB Titanium MC @ 90-day, 0% grace period | $4k BEFCU MC @ 5.49% F | $21.9k Citi DPR @ 5.99% F | Chase Platinum MC @ Prime+1.67%

MikeyM · ‎05-29-2026

last months statements. limits in sig. pif every month.

Total_Synergy · ‎06-29-2026

$153k spend/month. That's what I call some "good flow" going through those 3 cards! Congrats @MikeyM

Personal TCL ~$400k [Goals Met: 1+ Card with each of the Top 10+ (US) Issuers; $0 AFs; Recurring 0% BT Offers; Team Cashback]:

Business TCL ~$100k [Goals Met: 1+ Card on Amex/MC/Visa networks; 1+ Card with 0% Foreign Transaction Fees; $0 AFs; Team Cashback]:

RIP:

* Began in 1984 w/ Amex Gold Personal + Diners Club Corporate in 1990s. Just these 2 for years. Very little FICO knowledge until CARD Act (2010).
* Note: I have history w/ many lenders; so not always 'internally new to them' even though CRAs show 'new' AAoA. I don't track my Business CRAs.
* Acknowledgements: @Aim_High for 'HTML/Signature inspiration' and ALL myFICOers for helping me to optimize a well-earning card portfolio!!

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

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

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

Former cards:

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

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