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

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Anonymous
Not applicable

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

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.

39 REPLIES 39
K-in-Boston
Credit Mentor

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

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.  Smiley Wink

Message 2 of 40
HeavenOhio
Senior Contributor

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


@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.

Message 3 of 40
austinguy907
Valued Contributor

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


@Anonymous wrote:

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


Blasphemous self sabotage!!!!

Message 4 of 40
Anonymous
Not applicable

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

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.

Message 5 of 40
Berk
Established Contributor

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

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

Message 6 of 40
Kforce
Valued Contributor

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

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

 

Message 7 of 40
iwazl71
Frequent Contributor

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

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

Scores: EQ 796, EX 790, TU 807
Personal and Business Cards: 31 with 763k
High Limit Cards: CSP 50k | BoA Cash 81k | NFCU flagship 60k | Penfed Rewards 50k | Aviator Silver 52k
Message 8 of 40
CreditCuriosity
Moderator Emeritus

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

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.

Message 9 of 40
K-in-Boston
Credit Mentor

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

Insurance score? Rats! Like California and Hawaii, insurance companies can't use credit scores to determine rates in Massachusetts.
Message 10 of 40
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