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Highest CL (on a card you barely use)?

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Anonymous
Not applicable

Highest CL (on a card you barely use)?

I'm a rewards-focused credit enthusiast. I like having decent CLs on everyday cards ($10k on EDP and $8.5k on Hyatt), but for me, getting high CLs isn't really a game in itself.

 

So, for some fun variation from the usual "high CL" threads...what's the highest CL you have on a card that barely gets any spending (or BTs)?

 

For me, it's a $6k CL on BCE. I only use it for offers, since EDP has better rewards. It would be rare for my balance to exceed $300 on BCE, and I can go months without using it if no good offers appear.

 

Does anyone have a $50k CL on an unused V/MC that pays 1% cash with no bonus categories or perks? Or a $30k CL on a store card you used for a $50 purchase two years ago?

Message 1 of 30
29 REPLIES 29
jsucool76
Super Contributor

Re: Highest CL (on a card you barely use)?

My cap1 qs. 6.5k limit, only ever used for uber which is pretty rare.
Message 2 of 30
ddemari
Super Contributor

Re: Highest CL (on a card you barely use)?

30k lowes
30k Barneys
I use them but not no where near their max hahaha
Message 3 of 30
taxi818
Super Contributor

Re: Highest CL (on a card you barely use)?

Delta amex 20k. barely use. but it will get some heavy usage in a few months. When i travel

Message 4 of 30
UncleB
Credit Mentor

Re: Highest CL (on a card you barely use)?

I only use my two Visa cards when Discover isn't accepted... which is usually just for haircuts every 3-4 weeks.  Each has a credit line of $7k.

 

Then there's Lowe's... my credit line is $7450.  It's my oldest account (11 years) but in the last two-three years I've made one purchase for $60, which I PIF as soon as I got the bill.  I'm actually waiting for them to CLD that one at some point (which I hope they don't, but it's not the end of the world if they do).

Message 5 of 30
jamesdwi
Valued Contributor

Re: Highest CL (on a card you barely use)?

not sure if counts for barely used,  BCP  $15,000 rarely has more than a $1k balance

 

for non-used cards,  

 

Lowes  10k Limit   $0 balance

Wamart store card 10k limit   $0  

 

Cards: Chase Southwest 20k & CSR 17k & CSP 10k & FNBO 30k Oregon Duck 5k, & AMEX BCP 32.5k & Amex Magnet 15k&amg; Hilton Surpass 7.5k & Delta Gold 12k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 20k, Paypal Extras MC 10k, Paypal Credit 7.25k CapOne Venture 15k, QS 2.5k, QS 750, Amazon 10k, Walmart 10k, Citi Simplicity 18k, Discover IT 23k and a nice stack of store cards.
Landmarkcu Personal Loan 10k
Message 6 of 30
barthooper
Frequent Contributor

Re: Highest CL (on a card you barely use)?

For the next year my 13k Quicksilver will only be seeing my gym membership, which can't be paid with Discover, and anything from a place where Discover is not accepted, so I can take full advantage of my year of double cash. Besides that my 1500 Barclay Rewards has been seeing less than $100 a month for over a year.

Quicksilver - 16k | Discover It - 34k | Citi DC - $21k | Chase Amazon - 8k | Chase Reserve - 19.5k | Chase Preferred - 5k | EX FICO (Discover CSC) 788
Message 7 of 30
Anonymous
Not applicable

Re: Highest CL (on a card you barely use)?

I have $20k on my BCE and don't charge a cent to it most months. I hope Amex sees that is because I put everything on my PRG and doesn't lower my limit. One day I will get sick of PRG annual fee and go back to the BCE.
Message 8 of 30
willwar14
Valued Contributor

Re: Highest CL (on a card you barely use)?

4.9k on my Old Navy card, regret opening the account, plan to close asap.

CH7 FILED: 08/18/2022, DC: 01/23/2023
Message 9 of 30
odd_dog
Valued Contributor

Re: Highest CL (on a card you barely use)?

40K on Diners Club....only use it to pay for Vehicle registration every year.....

Message 10 of 30
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