Do u have 15+ cards with average CL over $5000?

[Fico2Go]

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@Anonymous wrote:

Between DW and me, 31 over $5k.  BTW, I've never really asked for a CLI (though have pressed the LUV button on occasion when prompted).

CostCo/AmEx Personal	$20,000.00
PenFed AmEx	$16,800.00
Barclaycard Rewards Card	$12,500.00
BofA Better Balance Rewards	$10,000.00
Citi AA Platinum Visa Signature	$15,000.00
CostCo/AmEx Business	$10,000.00
Chase Ink Visa	$24,000.00
BofA Better Balance Rewards	$6,000.00
Chase Freedom Visa	$10,000.00
BofA Better Balance Rewards Visa	$8,000.00
Amazon.com Visa	$7,000.00
Citi Dividend M/C	$8,500.00
USBank Travel Rewards	$22,000.00
Discover More	$9,500.00
NFL Extra Points Card	$7,000.00
Sallie Mae M/C	$15,000.00
Discover More	$10,000.00
Chase Sapphire Preferred	$25,000.00
Marriott Rewards Card	$15,000.00
Chase Ink M/C	$7,200.00
Discover It	$9,000.00
Citi ThankYou M/C	$8,600.00
Capital One Visa	$8,000.00
Barclaycard Arrival MasterCard	$12,500.00
Chase Ink M/C	$12,000.00
Chase Sapphire	$15,000.00
Fidelity American Express	$10,800.00
BofA Better Balance Rewards	$6,000.00
USBank Cash+ Visa	$17,000.00
Chase Freedom Visa	$15,500.00
Chase Sapphire Preferred	$15,000.00

Our other three cards have limits of $3k (Lowes), $1.5k (Kohls) and $4k (an old Chase Flex), so a total of 34 cards with an average C/L of $11,659.

Chris.

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May I ask how long it took you to build up this incredible list?

[Fico2Go]

It appears fewer cards fetch higher limits.  Some people having 20+ cards with average limits in the 5000s.  But others have 11 cards with $10K average. 

I think it does make a difference in terms of what creditors will give you based on your current limits.  Of course, scores/income/aaoa/util come into play as well.

[sillykitty1]

My stats:

- 17 open accounts

- min CL: 4k

- max CL: 25k

- average CL: 12.7k

15 months ago I had 1 cc with a $320 CL

[Fico2Go]

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@sillykitty1 wrote:

My stats:

- 17 open accounts

- min CL: 4k

- max CL: 25k

- average CL: 12.7k

15 months ago I had 1 cc with a $320 CL

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HOLY SMOKES!!!!

That's a little over one new card a month. 

[Anonymous]

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@Fico2Go wrote:

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@Anonymous wrote:

Between DW and me, 31 over $5k.  BTW, I've never really asked for a CLI (though have pressed the LUV button on occasion when prompted).

CostCo/AmEx Personal	$20,000.00
PenFed AmEx	$16,800.00
Barclaycard Rewards Card	$12,500.00
BofA Better Balance Rewards	$10,000.00
Citi AA Platinum Visa Signature	$15,000.00
CostCo/AmEx Business	$10,000.00
Chase Ink Visa	$24,000.00
BofA Better Balance Rewards	$6,000.00
Chase Freedom Visa	$10,000.00
BofA Better Balance Rewards Visa	$8,000.00
Amazon.com Visa	$7,000.00
Citi Dividend M/C	$8,500.00
USBank Travel Rewards	$22,000.00
Discover More	$9,500.00
NFL Extra Points Card	$7,000.00
Sallie Mae M/C	$15,000.00
Discover More	$10,000.00
Chase Sapphire Preferred	$25,000.00
Marriott Rewards Card	$15,000.00
Chase Ink M/C	$7,200.00
Discover It	$9,000.00
Citi ThankYou M/C	$8,600.00
Capital One Visa	$8,000.00
Barclaycard Arrival MasterCard	$12,500.00
Chase Ink M/C	$12,000.00
Chase Sapphire	$15,000.00
Fidelity American Express	$10,800.00
BofA Better Balance Rewards	$6,000.00
USBank Cash+ Visa	$17,000.00
Chase Freedom Visa	$15,500.00
Chase Sapphire Preferred	$15,000.00

Our other three cards have limits of $3k (Lowes), $1.5k (Kohls) and $4k (an old Chase Flex), so a total of 34 cards with an average C/L of $11,659.

Chris.

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May I ask how long it took you to build up this incredible list?

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About seven years.  I realize that's child's play compared to some around here (like the poster in this thread who accumulated 24 cards in two years).  But I've been taking my time, applying for cards which have nice start up bonuses or will be good cards for me for the long run.

Chris.

[Imhotrodcrazy]

I couldn't even fathom having 15+ cards.  I think I would go into cardiac arrest,  especially at my age.  I only have 5,  but only use 3.  However,  my lowest cl is $10,600.  I like fewer cards with much larger cl's.   My avg across the 5 is $19k.

[Fico2Go]

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@Imhotrodcrazy wrote:

I couldn't even fathom having 15+ cards.  I think I would go into cardiac arrest,  especially at my age.  I only have 5,  but only use 3.  However,  my lowest cl is $10,600.  I like fewer cards with much larger cl's.   My avg across the 5 is $19k.

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I'd be content with 5-7 cards with $20K+ lines.

Unfortunately, I think for most people they probably had to cancel many small limits before getting up to high limits on a few.

[Fico2Go]

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@Fico2Go wrote:

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@Imhotrodcrazy wrote:

I couldn't even fathom having 15+ cards.  I think I would go into cardiac arrest,  especially at my age.  I only have 5,  but only use 3.  However,  my lowest cl is $10,600.  I like fewer cards with much larger cl's.   My avg across the 5 is $19k.

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My biggest concern with having so many cards is that they can create distractions from earning rewards on my highest rewards card.

[thom02099]

I have more than a few cards.  I also have a 40+ year total credit history with my oldest account currently showing at over 23 years. 

Current cards range from Diners Club at $50K to Chase Slate at $6K...my lowest limit.  Most of my cards were approved with at least $5K CL to start, several with $10K to start. 

Nearing retirement, so some of these cards are going away/merging with other cards.  My total number will decrease, but plan on keeping my total available credit at ~ $200K.

[yfan]

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@JSS3 wrote:

My signature says it all. My goal is to get a 5,000 CL(minimum) on all cards in the coming year.

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This is my goal as well. Right now, I'm at a total of 11 cards with an average limit of $4,500 (range $1K to $10K). 5 of these cards are at $5K or above. Not bad I guess, considering I had a total of $17K in credit available less than six months ago. My goal is to get the other six above $5K (while also going for SP increases for the rest), hopefully with SPs only. The good news is that all the lower limit cards I have actually do SPs.