What is the lowest credit card SL that is acceptable for you?

[Anonymous]

I know we don't always get the high number we want so what number would be acceptable. Mines use to be 10k but I'm ok with 5k. What about you?

[thornback]

For me, it depends on the card's purpose.   If I want it just for miscellaneous monthly spend,  I can live with $3K - $5K. 

But if it's a card meant for larger expenses like maybe travel, or a low APR card for unplanned large purchases  - then I want at least $10K.

[Anonymous]

As a general rule, for cards that would be used for monthly spend in a specific category, I base it on keeping my spend under 30% of the card's limit. If I don't think I can get a limit meeting those parameters, I'll choose another card or wait until I feel my file will support that limit. 

[CYBERSAM]

For me as long as a card can grow, I'm fine with low SL.

[wasCB14]

I only care about high spending power on the cards that occasionally get high spend: Premium Rewards, BBP, Schwab...and until recently CSR and CFU. If I plan to use a card a lot, I'd be irked with less than $20k.

But on most cards I don't care, since the rewards are mediocre or capped. Or I may just have the card for a perk and only spend to keep it active.

[Deuter]

I would say 10K for me because it is the lowest i have ever received. If i receive lower than my lowest line then i would get irkish. All my cards have been born with 10K so if i receive less than whats usual... it would kinda of not be acceptable. But to tell you the truth i can manage with 5K SL but yeah in my case 10K has been the standard so i hope it keeps there or it starts at a higher SL. 

[AverageJoesCredit]

$300, means i can at least buy a Pizza

[Mv350]

Well I was just given a $300 SL on a Macys card. So it looks like I'm ok with $300

[Anonymous]

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@CYBERSAM wrote:

For me as long as a card can grow, I'm fine with low SL.

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^ this. 

While I love seeing $5K+ approvals, the reality is that I just need whatever it is to make the purchase (it's very rare I have a 4 digit purchase unless I buy a new TV) and I will grow it from there. 

[Anonymous]

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@AverageJoesCredit wrote:

$300, means i can at least buy a Pizza

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That's one expensive pizza!