- Centurion Member
- Posts: 1099
- Joined: Sun May 04, 2014 4:41 pm
- Location: Atlanta, GA
I find that having a Visa Signature card with a 5k limit is plenty for me and my Amex cards have pretty big limits for me too and in terms of utilization, I never find myself having to use a lot of credit from them in comparison to what the limits are. Only time that I've used anywhere near half of the credit limit was buying my MacBook with the Delta card when it still had a 2,100 limit and since then, it's been paid off completely (I paid most of it off right after buying the laptop anyway and my current balance on that card is 0).
I never thought that a year ago I'd have this much credit in my wallet but it feels great knowing that I have a lot of backup there and that utilization for me is very easy to manage. I doubt I'll ever come close to even using 20% of it at all.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)