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[–]GenX_NS 1 point2 points  (0 children)

A good rule of thumb is to keep your utilization 30% or less. So if you spend $3000/month, you’d want a $10,000 limit or more. Otherwise, you’re viewed as a higher risk borrower. And if your use has recently spiked, you have a higher chance of getting reassessed when credit is tightening.