What's your ACL (Average Credit Limit)?

[gnarlycow]

29 accounts in my portfolio with an ACL of $23,050, max of >$100k.  I intentionally keep quite a few cards at low limits such as $2500 or $5k; these cards include Chase Freedom, BofA CCR, etc. which I only use for bonus categories.  For example, I have five Chase Freedom cards.  If I close these and consolidate their limits to other cards my ACL would've been much higher. 

[JR_TX]

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@BrutalBodyShots wrote:

ACL (Average Credit Limit) = TCL (Total Credit Limits) / number of cards.

For example, if someone has 5 credit cards and a total credit limit of $48,500 across them, ACL = $9700.

I've always found ACL to be a more interesting metric than TCL since TCL can be increased two ways... opening more cards or increasing limits on existing cards. Curious to see what sort of ACLs people on this forum have.

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15 Accts

ACL = $22,160  

TCL = $332,400

[MikeyM]

it is actually a qs1 with $39 af. about 15 years ago, cap1 was the only group that would extend credit to me. the card is bucketed, it grew to 15k through adding new accounts and merging credit lines to one, before that got shut down. at one point there was sentimental attachment to it, but thats gone now. 

[Varsity_Lu]

@MikeyM 

Wow.  With the other cards you have I'm surprised that you are still paying an annual fee.  Could you product change it to something else? Savor? Regular Quicksilver? The age is valuable, but not at that price.

[mgood]

$ 33,000  NFCU cashRewards Plus Visa Signature       05/25
  31,400  American Express Blue Cash Preferred       04/24

  25,000  FNBO Evergreen Rewards Visa Signature      01/22

  20,000  Synchrony CareCredit Rewards Mastercard    09/25

  18,900  Citi Custom Cash World Elite Mastercard    07/22

  18,000  Chase Sapphire Preferred Visa Signature    01/23

  17,500  PenFed Power Cash Rewards Visa Signature   01/21

  17,000  Chase Freedom Flex World Elite Mastercard  05/21

  15,000  PenFed Platinum Rewards Visa Signature     01/21

  14,000  Wells Fargo Autograph Visa Signature       10/21

  12,000  Wells Fargo Reflect Visa                   01/26

  12,000  Chase Prime Rewards Visa Signature         05/23

  12,000  Discover it Cash Back                      12/20

  10,400  Citi Custom Cash World Elite Mastercard    11/24

  10,000  US Bank Cash+ Visa Signature               03/23

   7,200  TBOM Kay Jewelers                          11/17

   7,000  US Bank Cash+ Visa Signature               12/23

   6,500  PenFed Gold Visa                           06/16

   5,850  Capital One Savor World Elite Mastercard   11/15

+  4,300  Capital One Cabela's World Mastercard      10/15

$297,050   average $14,852.50

[galahad15]

ACL = ~$16,000

[Saleen099]

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@BrutalBodyShots wrote:

ACL (Average Credit Limit) = TCL (Total Credit Limits) / number of cards.

For example, if someone has 5 credit cards and a total credit limit of $48,500 across them, ACL = $9700.

I've always found ACL to be a more interesting metric than TCL since TCL can be increased two ways... opening more cards or increasing limits on existing cards. Curious to see what sort of ACLs people on this forum have.

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Mmmmmmmm 🙄🙄🙄🙄

[Varsity_Lu]

Just got a $4k bump in my Huntington Voice card which brings my ACL up to $14,422. High is $21,500, Low is $6,500, and Median is $12,600.

[sjt]

Including Business Cards:

13 Accounts

TCL, $334,200

ACL, $25,707.69

[Aim_High]

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@Aim_High wrote:

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@Aim_High wrote:

Lol ... looks like we are neck-and-neck @BrutalBodyShots.  You were correct in my posting about the >$1K CLI on my CITI Costco card<.  That puts my personal limits at $913K over 22 cards, so an average of $41,500, $23 ahead of 'ya!! 

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One more update for Aim_High.

 ...  That changes my personal credit equation from $913,000 / 22 cards ($41,500) to $922,500 / 21 cards (New ACL: $43,928).

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Another update for Aim_High. 

Prior ACL was $43,928.  ($922,500/21)

I had two recent credit limit changes (that ended up lowering my TCL slightly).  I will be posting about these but had to do with CLI on Apple card and moving credit from Hilton Surpass (after I closed it) to Marriott Bonvoy Brilliant.  However, I dropped from 21 cards down to 20, so it ended up raising ACL.

$921,650 / 20 cards = $46,082