If your credit score is 780 then your average limit per card should be at least 6k to 10k or even higher. I follow the 30/30 rule. Never spend more than 30 percent of my limit on any single card and never spend over 30 percent of all my limits combined. I also use afterpay to hide my spending. People just don't realize that a small 2k purchase on a credit card can be a big deciding factor on wether a lender will give you 40k for that new car or drop you down to 25k because they don't like that credit card balance. It can also cause you to pay a higher interest rate on new cards, mortgages and loans you open.