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Keeping limits high

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Regular Contributor

Keeping limits high

Now that I have gotten several cards over 15k limits, my worry is how much spend do I need to put through them on a monthly basis to keep them up there? I don't have a lot of spend but I have gotten them and don't plan on requesting any increases. Just hope to not lose what I've got.

 

 

Message 1 of 21
20 REPLIES 20
Super Contributor

Re: Keeping limits high

Well, first it depends on the bank, some being more twitchy than others.

But as long as you use the card and pay it, and that includes if you make the choice to have a BT for a while, the accounts should be fine.

If you have some history of negatives on your file, that may make the banks a bit more wary, but....

Forecasting AA on any specific file is something of a lottery. We can’t predict, only try to be good customers.

Enjoy the higher limits, and if a bank lowers a limit, just know that in the long run as your score improves you will get larger limits from other banks that are more stable.
High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
Message 2 of 21
Super Contributor

Re: Keeping limits high

AA usually happens when you actually use too much credit. Lenders love to grant you huge limits but get skittish when you actually use it. Just make small charges every 3 months or so to keep them active and pay them in full and you should be fine. If a lender AAs you for being responsible you don’t want to be their customer anyway. 


Scores 1/2019:
Scores 9/2019:

Hover over my cards to see my limits!
Goal cards: Does it look like I really need any more cards? My goal is to garden until 2/2020.
Message 3 of 21
Community Leader
Senior Contributor

Re: Keeping limits high

AMEX and Discover are known to tolerate very low usage of high limits. Synchrony is known to decrease limits for low usage. Capital One may CLD to 10k if your usage averages around $100 a month or less over a period of a year or so.

 

 

Message 4 of 21
Super Contributor

Re: Keeping limits high


@HeavenOhio wrote:

AMEX and Discover are known to tolerate very low usage of high limits. Synchrony is known to decrease limits for low usage. Capital One may CLD to 10k if your usage averages around $100 a month or less over a period of a year or so.

 

 


Doesn’t Sync do the same thing if you use the limit too? Seems like you just have to be prepared for Sync to take AA whenever they feel the itch. 


Scores 1/2019:
Scores 9/2019:

Hover over my cards to see my limits!
Goal cards: Does it look like I really need any more cards? My goal is to garden until 2/2020.
Message 5 of 21
Senior Contributor

Re: Keeping limits high


@HeavenOhio wrote:

AMEX and Discover are known to tolerate very low usage of high limits. Synchrony is known to decrease limits for low usage. Capital One may CLD to 10k if your usage averages around $100 a month or less over a period of a year or so.

 

 


And consider whether it's even worthwhile to try to protect a CL.

 

1. It can mean overspending

2. It takes time 

3. It can be a hassle

4. It can mean accepting inferior rewards

 

As you don't spend a lot (and presumably have your overall utilization under control) would it really be so bad to have a CL or two fall under $15k?

Most spend: CSR, CFU, BBP
Rewards/AAoA ballast: CF, Discover, Costco, ED, Arrival
Perks: Schwab Platinum, IHG49, Hyatt75, Brilliant, Delta Platinum
Potential closures/downgrades: Savor, BCP, Double Cash
Message 6 of 21
Valued Contributor

Re: Keeping limits high


@Saeren wrote:

@HeavenOhio wrote:

AMEX and Discover are known to tolerate very low usage of high limits. Synchrony is known to decrease limits for low usage. Capital One may CLD to 10k if your usage averages around $100 a month or less over a period of a year or so.

 

 


Doesn’t Sync do the same thing if you use the limit too? Seems like you just have to be prepared for Sync to take AA whenever they feel the itch. 


Lenders don't AA you for high usage, they AA you for "carrying" a high balance while making low minimum payments.

 

That said, your usage for each card should be based on maximizing rewards, not to satisfy lenders in order to avoid CLDs, cards are suppose to serve you not the other way around. If a card has sheety rewards that doesn't make the cut for your natural spending, what difference does a useless card with lower limits make?

Message 7 of 21
Super Contributor

Re: Keeping limits high


@oldman87 wrote:

@Saeren wrote:

@HeavenOhio wrote:

AMEX and Discover are known to tolerate very low usage of high limits. Synchrony is known to decrease limits for low usage. Capital One may CLD to 10k if your usage averages around $100 a month or less over a period of a year or so.

 

 


Doesn’t Sync do the same thing if you use the limit too? Seems like you just have to be prepared for Sync to take AA whenever they feel the itch. 


Lenders don't AA you for high usage, they AA you for "carrying" a high balance while making low minimum payments.

 

That said, your usage for each card should be based on maximizing rewards, not to satisfy lenders in order to avoid CLDs, cards are suppose to serve you not the other way around. If a card has sheety rewards that doesn't make the cut for your natural spending, what difference does a useless card with lower limits make?


Sync absolutely has AA’d people just like Barclays for taking advantage of financing options offered on their cards and then balance chasing them as a response. 


Scores 1/2019:
Scores 9/2019:

Hover over my cards to see my limits!
Goal cards: Does it look like I really need any more cards? My goal is to garden until 2/2020.
Message 8 of 21
Regular Contributor

Re: Keeping limits high


@Saeren wrote:

@oldman87 wrote:

@Saeren wrote:

@HeavenOhio wrote:

AMEX and Discover are known to tolerate very low usage of high limits. Synchrony is known to decrease limits for low usage. Capital One may CLD to 10k if your usage averages around $100 a month or less over a period of a year or so.

 

 


Doesn’t Sync do the same thing if you use the limit too? Seems like you just have to be prepared for Sync to take AA whenever they feel the itch. 


Lenders don't AA you for high usage, they AA you for "carrying" a high balance while making low minimum payments.

 

That said, your usage for each card should be based on maximizing rewards, not to satisfy lenders in order to avoid CLDs, cards are suppose to serve you not the other way around. If a card has sheety rewards that doesn't make the cut for your natural spending, what difference does a useless card with lower limits make?


Sync absolutely has AA’d people just like Barclays for taking advantage of financing options offered on their cards and then balance chasing them as a response. 


Thats why I've never had an interest in either Sync or Barclays especially with so many more options out there.

Message 9 of 21
Super Contributor

Re: Keeping limits high

Sync doesn’t seem to be as bad as Barclays by a long shot. If you just have one card with them, it’s not likely to be a big deal unless you go and max it out which we all know is a big no no here, even for a promotional period. 


Scores 1/2019:
Scores 9/2019:

Hover over my cards to see my limits!
Goal cards: Does it look like I really need any more cards? My goal is to garden until 2/2020.
Message 10 of 21
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