When do you stop asking for CLI's

[ecxpa]

Many folks here have more credit than they will ever use, myself included, but I see some of these folks contuing to ask for and get CLI's.  I have a couple of card with limits above 25K and multiple cards with 20-25K limits.   I never ask for CLI on a card with a CL of 20K or better.  Just curious as to how common it is to ask for CLI's with cards 20K and above credit lines.

[Anonymous]

At our house the largest we ever asked for was $20K. Based on income and scores we have left a lot on the table.  Dw already locks her purse up during the day in the safe at our biz because of  credit card limits.  I mean do want to put a new car on a credit card?  lol  I have charged over $10K in one month to 1 card because of storm damage repairs 

[ecxpa]

---

@Anonymouswrote:

At our house the largest we ever asked for was $20K. Based on income and scores we have left a lot on the table.  Dw already locks her purse up during the day in the safe at our biz because of  credit card limits.  I mean do want to put a new car on a credit card?  lol  I have charged over $10K in one month to 1 card because of storm damage repairs 

---

Similar pattern here; I only carry a card or two and rarely put more than 5-8K on a single card;  so no reason to have limits above 25K for me.  I have let balances ride a month or two when I am in the midst of a long project.   

[Anonymous]

Where I get hurt is DW cards generally have $15K to 20K limits. My citi DC card only has a $5K limit and it gets used a lot for misc. In a few months I will cli it again. Dw will probably will get the US Bank cash plus card soon and run alteast $500 to $1K amonth on it based on the 5% deals. That has been  going on my DC and killing my % utiz.   

[Anonymous]

My stopping point is $10k.  I have 12 CCs.  Only 3 of them are not yet at the $10k level.  One will get a CLI in a few weeks to go over the $10k level and then I stop on that one.

I can remember when I got the CSP at the minimum $5k.  Was my highest limit at the time.  Felt like a boss.  Looking back, it seems so 20ish in age factor.

$10k seems more like a grown up without being wealthy.

[Kforce]

I stop at 20K for cards I use a lot, and 15K for low use cards.

[Anonymous]

As with many topics credit-related, responses to this one can vary greatly and be extreme on both ends.  You have some people with a single $500 starter card or two that will literally go their entire lives without ever asking for a CLI.  Maybe they get an auto-CLI or two along the way, but they're ultra conservative and never ask for a thing.  On the opposite end of the spectrum, you've got people that will never stop asking for CLIs.  They're super aggressive and will request them and take them as often as they are allowed to by the lender.  There are a fair share of these people on this forum.  Most, like those that have replied thus-far in the thread above, fall somewhere in the middle.

I personally tend to be satisfied or happy with a $10k limit on my cards that I don't use very much, but could in theory see myself using around half that limit at some point.  An example here would be my Chase Amazon Prime, which has a $10k limit.  Normally I only put a few hundred bucks on it a month, but it could be $1000.  Is there a chance I could drop a $5k spend on a piece of electronics or something at some point?  Possibly, so $10k works or me.  I have several cards that fit this scenario that I'll never seek CLIs on.

On a daily driver, I tend to like a higher limit.  I would push my daily driver to $30k and beyond if I could.  I currently use a Citi DC and it has a $12,300 limit, far lower than I'd like.  My current balance is about $9000 on the card (last reported balance about $2500) so I do tend to spend a good amount on it, but I always PIF.  I just don't feel comfortable with a $9000 balance on a $12,300 limit card, even if I know that balance isn't going to ever get reported. 

Then I have 2 cards that I just push my limits on for S&Gs.  No reason other than some utilization padding and just the fun of seeing what I can get them to.  I'm only a couple of years removed from poor credit scores and having only 1 CC with a $3000 limit, so being able to push these 2 cards higher tends to be a mentally satisfying exercise for me.  It lets me know that I've come long way from my lowest point, even though it's only been a couple of years and validates the fact that I've done some really good things for my credit with hard work over that period of time.

[fltireguy]

My original goal was to have a card with a high enough CL so I could buy a new car. LOL (not that I would). My highest is currently NFCU@$25k, and I have a bunch of cards in the $10-15 range as well. I think that $25k is high enough for me, but I'll probably close my other NFCU card and move the CL to CashRewarsa soon, which would make it at least a $32.5k card

[UncleB]

I've got 20+ cards, and my limits are already much more than necessary for my income, even if I want/need to carry a balance for a little while.

I'll continue to 'poke' at Capital One and Citi occasionally, but otherwise I don't see myself going for additional CLIs on my other cards.  With my modest profile there's no meaningful difference past a certain point, anyway. 

[AverageJoesCredit]

My ideal lineup would be all 10k cl , if i made money 20k on a couple would be ideal, as it stands i average about 5k, which to me is still pretty good. I think its ok to ask cli to reach ones goal but ive learned its also best to stop when you are getting evidence that lender isnt comfortable extending more ,iw lwtters of denial with reasons. Its very true the general poulation dorsnt even thnk of requesting cli, i have a coworker who sure doesnt. But again someone like Brutal who really maximizes his card, should shoot for those cli until they are comfortable with that limit. Jmho