What is you credit card limit?

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D

DaWhim

Lifer
Feb 3, 2003
12,985
1
81
Originally posted by: enyce2k9
0 CC's atm, i do have debit cards & love em, borrowing money must suck! unless u make profit to keep and cover some interest! <my plan if im unemployed
Click to expand...

how does borrowing money and not having to pay financial charges sound to you? there is a law protect credit card holders against frauds, we are liable up to $50 (most cc issuers will waive this charge). there is none for people that use debit cards. good luck with that. in the case of a fruad, you will be at the mercy of your bank. :)
 
ElFenix

ElFenix

Elite Member
Super Moderator
Mar 20, 2000
102,402
8,574
126
$10,000
$10,000
$5,000 (amex has never ever raised my limit, wtf?)
 
RichieZ

RichieZ

Diamond Member
Jun 1, 2000
6,551
40
91
A

acemcmac

Lifer
Mar 31, 2003
13,712
1
0
One of my cards hasn't gotten a limit increase in more than a year.... I have another card I never use that has more than double that limit. Do you think that if I had the limit lowered on the other, the limit on the small one would start to creep up?
 
DT4K

DT4K

Diamond Member
Jan 21, 2002
6,944
3
81
Target Visa 1000
Chase Visa 400
Chase MC 900
Capital One MC 1500
Capital One Visa 550
plus a couple of store cards

I screwed up my credit big time while in school. It's been slowly but steadily improving over the past 3 years. Went from FICO of 480 to around 620 now.
 
R

Reckoner

Lifer
Jun 11, 2004
10,851
1
81
Amex Starwood 20,000
Citi Dividend 6,800
BofA Visa Platinum 8,000
Schwab Visa 2,600
Amazon Visa 4,000
 
C

cliftonite

Diamond Member
Jul 15, 2001
6,900
63
91
AMEX 24k
Mastercard 8k


Those are the only two i use. I do sign up and cancel cards that offer money.
 
D

DaiShan

Diamond Member
Jul 5, 2001
9,617
1
0
$10,000 a day. I don't have credit, only debit, and they limit non-lobby transactions to $10,000 a day, supposedly to prevent you from being robbed blind at the ATM heh. The last time I had a CC was when I was 17 or 18. It has a $2500 limit on it, and $100 for overcharges. That was the primary reason I stopped using credit, I shouldn't have to pay extra to use my own money. The other reason is, I never have to remember to pay a bill heh :D Oh and some Visa my parents gave my sister and I for emergencies, I think the limit is 50-100, but I never use it, maybe once for tuition or something. It's not really mine so I don't count it.
 
D

DCFife

Senior member
May 24, 2001
679
0
0
I have about $70k in credit cards, but one in particular raises my limit by about $3k a year. It's up to $19k now and I use the card maybe twice a year to buy dinner.
 
N

Neurorelay

Platinum Member
Jul 21, 2004
2,195
0
0
I would like to point out to the naysayers of credit...if you live in a capitalistic society, your management of credit lines is quite valuable. The whole cash philosophy works best in a communistic or socialistic setting. Where goods equal the value of the dollar. In our country, prices are so inflated and you have to watch interests rates and so on, the dollar goes no where as far as a good credit rating.
 
RossMAN

RossMAN

Grand Nagus
Feb 24, 2000
79,006
430
136
Anywhere from $500 - $20,000

Average is around $10,000 per card I'd say.
 
kag

kag

Golden Member
May 21, 2001
1,677
0
76
www.boloxe.com
I got a student card that started at $500 so I could buy stuff off the internet. It's now at $1200 (I'm now full time employed). Am I supposed to tell them I'm not a student anymore?! I'd like to keep the card because it looks cool (it's translucid), and I can manage it from my credit union's website.

I applied for a second credit card last month, that I will only use to buy gas. I spend like $2500 a year on gas, so if I can get the equivalent of 2% back, that's 50$ free per year.
 
A

acemcmac

Lifer
Mar 31, 2003
13,712
1
0
Originally posted by: DaiShan
$10,000 a day. I don't have credit, only debit, and they limit non-lobby transactions to $10,000 a day, supposedly to prevent you from being robbed blind at the ATM heh. The last time I had a CC was when I was 17 or 18. It has a $2500 limit on it, and $100 for overcharges. That was the primary reason I stopped using credit, I shouldn't have to pay extra to use my own money. The other reason is, I never have to remember to pay a bill heh :D Oh and some Visa my parents gave my sister and I for emergencies, I think the limit is 50-100, but I never use it, maybe once for tuition or something. It's not really mine so I don't count it.
Click to expand...

You clearly don't understand how to use a credit card. I feel really badly for you with all of the crap you are exposing yourself to with merchants putting holds on your checking account, etc.
 
S

Suspicious-Teach8788

Lifer
Feb 19, 2001
20,155
23
81
- $8k on each of my AMEX cards (Costco + Blue)
- $1.5k on my Citi Dividend Platinum Select (sometimes I get annoyed by the low limit, but I can use my AMEX when all else fails)
- $10.4k on my BoA Effectiva Visa

Enough to get around.
 
RossMAN

RossMAN

Grand Nagus
Feb 24, 2000
79,006
430
136
Originally posted by: DLeRium
- $8k on each of my AMEX cards (Costco + Blue)
- $1.5k on my Citi Dividend Platinum Select (sometimes I get annoyed by the low limit, but I can use my AMEX when all else fails)
- $10.4k on my BoA Effectiva Visa

Enough to get around.
Click to expand...

I'm glad I'm not the only one. My CitiBank Dividend Platinum Select was stuck at $5,000 for a long time (a few years). However recently I have been paying off cc's one by one, so I tried the increase and they approved me for $6,500 I'm not sure why I bother since the max I ever use it $2k on that card.
 
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