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

[Anonymous]

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.

[K-in-Boston]

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.  

[HeavenOhio]

---

@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.

[austinguy907]

---

@Anonymous wrote:

when I go for another mini-spree in the next month or two.

---

Blasphemous self sabotage!!!!

[Anonymous]

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.

[Berk]

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

[Kforce]

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

[iwazl71]

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

[CreditCuriosity]

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.

[K-in-Boston]

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