I've often wondered this for a moment or two, seeing as how I could charge roughly half my house on my available CC's, but after reviewing my excellent credit and score, I've forgot about it just as fast. IMO you can't have too much AVAILABLE credit, especially since I regularly put $3-4k/month on my card for everyday stuff, and the cash rewards. It's always paid at the end of the month, but imagine if I only had $10k available, it'd appear as I'm always utilizing 40% of my available, which isn't good.