Will they decrease my CL?

xiownthisplacex · ‎07-03-2012

So I have a bunch of cards (on my sig) with good limits on them. I tend to spread my purchases between the cards to get about 8% on a few of them every month and always PIF. Since I don't charge anywhere near my limits, will any company decrease my limits because I don't spend that much?

FrugalRican · ‎07-03-2012

Completely subjective.

They could. They might not.

I've had a CL of $15,900 and have never had a balance past $10K on it. It's never been decreased. Yet.

It could happen tomorrow, it might never happen.

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EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

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Crashem · ‎07-03-2012

Most won't from lack of use to limit. In fact, many would actually like you more. One exception is GE seems to like use, but I doubt they will reduce CL.