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- As long as you aren't regularly using more than 30% of your credit limit, you can consider it to be a good limit. A simple rule of thumb to decide if you have a good credit limit is to consider how much you regularly spend between payments. Ideally, you don't want to have your average credit card balance higher than 30% of your credit card limit.www.fool.com/the-ascent/credit-cards/good-credit-limit/
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