@SUPERSQUID wrote:I see some siggys with hundreds of thousands of limits. some have multiple cards with jumbo limits 25k-50k. just out of curiousity to hold onto all those jumbo limit cards do you have to jumbo spend on all of them each month?
For about 5 or 6 years (since I swallowed the MyFICO Forums kool-aid) I have had much larger limits than I ever use. I have never had adverse action resulting from that. I would never run up a balance to satisfy the bank.
@SouthJamaica wrote:
@SUPERSQUID wrote:I see some siggys with hundreds of thousands of limits. some have multiple cards with jumbo limits 25k-50k. just out of curiousity to hold onto all those jumbo limit cards do you have to jumbo spend on all of them each month?
For about 5 or 6 years (since I swallowed the MyFICO Forums kool-aid) I have had much larger limits than I ever use. I have never had adverse action resulting from that. I would never run up a balance to satisfy the bank.
I'm with you, I'd never go near a large limit. I'm not in the category of the high rollers on here, but i just can't see myself putting 20K on any of my cards just to get an even larger limit. Larger limits are a 5 or 6 on my scale, having a clean profile is 10. My only adverse action over the years was in 2012 when it was warranted because I missed mortgage payments that tanked my scores. Well there was the Sync 2020 massacre, but I don't know what happened there.
NFCU GoRewards Sig ($40,000), NFCU Cash Rewards ($40,000), PenFed Power Cash ($25,000), FNBO Evergreen Visa ($20,000), Bread Financial Rewards Amex ($21,150), PNC Cash Rewards ($18,400), PNC Cashbuilder ($18,700) , One Key Mastercard ($14,000), Citi Double Cash ($11,600), US Bank Cash Plus($10,000), Discover It Cash ($9000), Capital One Quicksilver MC ($9000), TD Cash ($8000), Bank of America. Unlimited Cash Rewards ($7500), Fifth Third Unlimited Cash Back Mastercard ($7500), Wells Fargo Active Cash Sig($7000), Apple Card ($6000), Amex BCE($6000), Amex ED($6600), X1 Card ($5000), PNC Points ($8000), Amex Cash Magnet($2000), Fifth Third Truly Simple ($4000), Truist Spectrum Cash Rewards($4500), Truist Bright Card($4500), CapOne Quicksilver(Bucketed @$1500 manually lowered to $500), US Bank Cash+ ($1,000), WF mortgage 195K Fico 8: EQ 778, TU 765, EX 758 FICO 9:EQ 829, TU 812, EX 791, AAoA-97 months, AoOA-28 years
@SUPERSQUID wrote:I just received my comenity rewards mastercard in the mail yesterday. it has a sub, 100 for 500 spend in the first 90 days plus 1.5 cb. if i use this card for 500 of my rent i save 100 bucks plus 7.50 so that pays for more than 11 months including the cb on my other cards.
EDIT - PS - My electric and natural gas charges a fee but cable, cell, and groceries does not, so its a mixed bag.
Ok, so now we get into however you choose to earmark a SUB 
If you want to use the $100 as "it pays my fees for CC rent", that's your prerogative.
Others might set that $100 aside or use it for a dinner out with family, then look at the next rent transaction as a new, separate transaction with a fee, and then make the choice to pay the fee while using the card to pay rent
It's all good.
@Anonymous wrote:
@SoCalGardener wrote:
@Anonymous wrote:I run mine up to about 90% of the CL once every two years but pay it off before the statement cuts off. Capital One etc is known for reducing lines if not used. By doing this I never had a CLD from any bank. My lines are up there but I pay my real estate taxes with them and rotate them for my rental houses so it keeps all the banks happy.
I see a lot of posts around here where someone ran up a big balance, paid it off, then immediately got hit with a CLD.
Do you have a secret you'd like to share?!
It may depend on income too. I have one card with a $300,000 CL two at $75,000 and eight at around $50,000 each. If banks want to do a CLD on me it has never happened YET. The only AA I have had was when one bank closed 7 of my accounts when they did mass closings last year. I will not mention names lol
Seven accounts?? Do tell 
@GrandBaker wrote:
@Anonymous wrote:
@SoCalGardener wrote:
@Anonymous wrote:I run mine up to about 90% of the CL once every two years but pay it off before the statement cuts off. Capital One etc is known for reducing lines if not used. By doing this I never had a CLD from any bank. My lines are up there but I pay my real estate taxes with them and rotate them for my rental houses so it keeps all the banks happy.
I see a lot of posts around here where someone ran up a big balance, paid it off, then immediately got hit with a CLD.
It may depend on income too. I have one card with a $300,000 CL two at $75,000 and eight at around $50,000 each. If banks want to do a CLD on me it has never happened YET. The only AA I have had was when one bank closed 7 of my accounts when they did mass closings last year. I will not mention names lol
Seven accounts?? Do tell
We're not going to be relitigating their closure in this thread.
Since @Anonymous referenced that particular closure in innumerable posts/threads, they shouldn't be too hard to find.
@Remedios wrote:
@GrandBaker wrote:
@Anonymous wrote:
@SoCalGardener wrote:
@Anonymous wrote:I run mine up to about 90% of the CL once every two years but pay it off before the statement cuts off. Capital One etc is known for reducing lines if not used. By doing this I never had a CLD from any bank. My lines are up there but I pay my real estate taxes with them and rotate them for my rental houses so it keeps all the banks happy.
I see a lot of posts around here where someone ran up a big balance, paid it off, then immediately got hit with a CLD.
It may depend on income too. I have one card with a $300,000 CL two at $75,000 and eight at around $50,000 each. If banks want to do a CLD on me it has never happened YET. The only AA I have had was when one bank closed 7 of my accounts when they did mass closings last year. I will not mention names lol
Seven accounts?? Do tell
We're not going to be relitigating their closure in this thread.
Since @Anonymous referenced that particular closure in innumerable posts/threads, they shouldn't be too hard to find.
OK understood
Thank you
Mark
@NRB525 wrote:
@SUPERSQUID wrote:I just received my comenity rewards mastercard in the mail yesterday. it has a sub, 100 for 500 spend in the first 90 days plus 1.5 cb. if i use this card for 500 of my rent i save 100 bucks plus 7.50 so that pays for more than 11 months including the cb on my other cards.
EDIT - PS - My electric and natural gas charges a fee but cable, cell, and groceries does not, so its a mixed bag.
Ok, so now we get into however you choose to earmark a SUB
If you want to use the $100 as "it pays my fees for CC rent", that's your prerogative.
Others might set that $100 aside or use it for a dinner out with family, then look at the next rent transaction as a new, separate transaction with a fee, and then make the choice to pay the fee while using the card to pay rent
It's all good.
I live alone. any family lives far away so its only me myself and I. I am quite happy with a coffee and a toasted english muffin with blueberry jam trying to pump up my scores and cli's with cheap parlour tricks.
@SUPERSQUID wrote:
@Aim_High wrote: .... My Capital One Quicksilver card grew (very) slowly from a $1K SL to $25K, with the final increase on 03/13/2020. (See data points.) ....Thank you for that detailed breakdown. just out of curiousity when you built the QS wss it automatic cli's or cli requests?
I am in rebuilding mode right now. i started getting better cards with rewards, discover, QS, savor one, comenity rewards mastercard.
i am retired so my income is limited, above a 10k cl would make me nervous, 7-8k would be nice.
Originally back in may i joined nfcu and penfed planning to eventually get cards with them with the giant limits they give but recently i decided to put those 2 on the back burner as i grow the good ones i have and close the ones that got me here. my scores are nice 670's-690's but when i start cleaning up my profile i think my scores may yoyo a bit.
i thought of usaa but if i was forced to take their secured cc i read it doesnt graduate.
You're welcome, @SUPERSQUID. I know it was a lot of detail but I thought you might find my specific examples and experiences helpful. The actual limits ($5K or $25K or $50K) is all relative to profile factors, of course, but the concept is the same. Most lenders will allow you keep a credit limit if your usage and payment history with them shows responsibility and your overall credit profile isn't raising alarms. It doesn't normally matter if your usage is light, moderate, or heavy unless you're hoping to get a CLI on that card.
From my experience, Capital One cards don't get auto-CLIs very often unless they 1) are not bucketed and 2) show sustained heavy usage. They seem to grow more quickly with regular CLI requests. (I believe that's how I got all of mine.) You can ask every six months and my observations are that you'll need to spend somewhere around 45% or close to that of your existing CL to increase your odds of success. So your $1,800 CL card would need to see about $810 or more of spending in the months prior to a request. As the limit grows, the spend requirement will normally rise too since it's based on a percentage of available credit you're using. It's a similar concept to what I recommend on the Goldman Sach's Apple card which is also sensitive to moderate to heavy spending to warrant a CLI. I posted some detailed data points in that Capital One thread I mentioned above. You can find those data points HERE.
I believe getting your cards to $7K, $8K, even $10K should be a realistic goal, even with rebuilding and being retired. Just be patient, continue to use and groom your cards, and they will likely respond as your FICO recovers. Navy and PenFed might be good targets for later on. I like your strategy of growing your better prime cards and then slowly closing your rebuilder cards as they become less relevant.
