Credit Cards - Intrest, Fees, and Bullshit

[HAULN-SS]

I've been pretty impressed so far with the Barclay World Elite card I've had for the last 3 years. First year was free, so I've paid $180 total for owning the card. Pay it off every month. I just checked and I've redeemed $2500 in travel credits from it. The rewards system used to be 2% cash back, plus a 10% rebate on points used towards travel. I travel enough that was essentially like getting 2.2% back on all purchases which was the best deal going at the time I got the card. They recently changed their rewards to only give a %5 rebate, so I might look about changing to something else, but last time I looked that was still the best rewards I could find.


Does anyone know what the good ratios are for balance to available credit total? I put all my bills on one card, and pay it off every month. This particular card that takes about 30% of my limit to float my bills every month. I basically never use the other 2 I have. I guess I'm asking how you determine a stopping point when asking for an increase in limit on a card?

Me and the fiance are in the middle of buying a house, so I am probably not going to tweak anything until the mortgage is finalized - the fucking trump bump knocked rates up like 1/3 - 1/2 point in the short amount of time it took between us putting in an offer, and trying to get the final mortgage.