What's your ACL (Average Credit Limit)?

[ChargedUp]

TCL $687,100/ 36 cards = $19,086.11  on the personal side. 

... I can live with that.

[ocheosa]

$20,580 =514,500/25 CC

$15,125 =60,500/4 PLOC

[Zoostation1]

For me it's 7 cards totaling $74.2k for a $10.6k average.  About 90% of it is from 4 cards.

[RobertS2]

I know Patrick Mahomes' just went down...and Micah's...but they're still rich

[BrutalBodyShots]

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@Aim_High wrote:

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Thanks very much for the ACL compliment.  You're doing pretty good yourself and almost caught up to me!  I like that clean 9-card-or-less lineup. 

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Hey @Aim_High... a minor update that's pretty crazy. I got a minor CLI the other day on my BoA CCR, posted about here:

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BoA-CCR-CLI-23k-gt-25-8k/td-p/6850192

So how nuts is this. The other day, you said your ACL was $41,454 and mine was $41,166. After that $2800 CLI referenced above, spread across 9 cards, my ACL increases $311. That puts me at $41,477. 

[Aim_High]

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@BrutalBodyShots wrote:

Hey @Aim_High... a minor update that's pretty crazy. I got a minor CLI the other day on my BoA CCR ...  So how nuts is this. The other day, you said your ACL was $41,454 and mine was $41,166. After that $2800 CLI referenced above, spread across 9 cards, my ACL increases $311. That puts me at $41,477. 

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Yes, I did see that CLI for you @BrutalBodyShots but hadn't thought about it pushing you ahead!    Congrats!  Now excuse me for a second while I make a call ...

Hello ... Chase?  Lol

[BrutalBodyShots]

Yup, your turn to take the lead now @Aim_High!

[Aim_High]

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@BrutalBodyShots wrote:

Yup, your turn to take the lead now @Aim_High!

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  Just teasing ya' @BrutalBodyShots.  But I probably will take the lead again soon, one way or the other.  Besides asking for CLI or applying for new credit, I have an unfair advantage over you with several cards I could (and plan to) close which would by default increase my ACL.  (In particular, I got the Chase IHG Rewards and AMEX Hilton Surpass cards for the SUBs, elite status, free nights, and to try to increase lender TCLs.  But I probably won't keep them for the long term.)  

I'm pretty sure I'm "tapped out" with my largest lenders.  (Chase 156.4 - BofA 99.9 - CITI 97.5 - AMEX 95.0 - NFCU 80.0.)  They have all either refused additional CLIs multiple times, asked for more information like deposit accounts from AMEX, reallocated existing limits, or even attempted to CLD me (Chase business) due to low usage.  But all my new credit from almost the past two years (excepting soft CLI's) is from soft pull business credit (AMEX Biz Platinum - opened and closed for SUB and AMEX Blue Business Plus #2 which they offered for SUB - doesn't show in my signature separately.)   So I'm 0/24 on TU and 0/24 on EQ, plus 0/6; 0/12; 2/24 on EX and new personal accounts.  If I don't apply for anything, I'll be 0/24 in March.    I've got a few options on my radar to either add rewards or moreover, add TCL to bump me over $1M TCL, just for the sport of it.  I'm hoping for a few $30K - $50K approvals with my profile and gardening.  Fingers crossed. 

[BrutalBodyShots]

I hear you @Aim_High. You'll definitely take me out soon! I do feel that I'm more or less capped across all issuers at this point. BoA is probably the only one left where there may be a little wiggle room probably just because of an established Preferred Rewards relationship. Over time, that could help with little increases here and there I suppose. BoA is also the only issuer that I have more than one card with, which aids ACL when you only have 1 card per issuer and all of your exposure can go on a single card. Adding the second BoA card earlier this year hurt my ACL because in order to obtain the approval they needed to pull from the first card since it already had a pretty high limit.

Definitely keep me updated on your progress. Hitting $1M would be a monumental milestone, even if just for fun!

[Pppoolboy]

ACL $8150 over 19 active personal and business revolving cards