Not sure about an F/R, but 60k income with 100k CL makes you susceptible to a Chase A/A.
Thanks Shumlyg, great information.
I was wondering because I am 23, 4 years of working history, a CL of 48k, and a utilization of $3-$5k max but never extending past statement closing dates. However, I am starting to think that if I keep consolidating cards I would have to much credit, is this a valid concern?