I'm at just under 100k/year, with both a discover and Visa at 25k limits, and a MasterCard at 5k. Not quite sure how it happened. Like you I also don't carry a

I'm at just under 100k/year, with both a discover and Visa at 25k limits, and a MasterCard at 5k. Not quite sure how it happened. Like you I also don't carry a balance.