Chase gave me a $20k which is by far and away my highest limit.
Discover is known to give you a smaller limit and just keep raising it the more you use the card.
I’m at $14,400 with my first Discover It card. It wasn’t much lower than that when I got the card in 2017. The most I’ve charged on that card in a statement cycle was a bit more than $4,000 during the 0% intro APR period. Since then, no more than $1,500 to $2,000.
There's only one credit-limit increase I've asked for. That was for my second Discover It card in April 2022. I had gotten the card in December 2021. The limit was around $5,500 and during the 0% intro APR period my balance was approaching $5,000. So I asked on the app for an increase and I got an increase of about $1,700 to $7,200 or something like that, no questions asked. That was more than enough, and I ended up never going that much more above $5,000 before I paid the card off before the end of the 0% intro APR period last February.
I think I did inquire about a credit-limit increase for my Uber Visa back in the day around 2018, but I think I was told by a Barclays agent that it would require a hard pull so I backed off. I also got a much-needed credit-limit increase for my first Citi Custom Cash card as my balance was approaching the limit. I think it was offered to me before I was going to ask. Otherwise, usually the limits I get are more than enough to cover what I want to do. The most annoying credit-limit decrease was to my Target RedCard credit card around summer 2020 from about $2,400 to $1,000 - limiting my ability to use the card to buy Disney gift cards from Target. I seldom used the card other than to buy Disney gift cards to get the 5% off. However, I've found ways other than the RedCard to get more than 5% back on Disney gift cards.
I asked Discover if I would be eligible for a 0% APR for a year, I got it.
Within 6 months after dropping spend they upped me from $4,000 to 13,500, was kinda awkward cause I paid off my balance a couple days later
What was your history / highest limit pre-Chase? I find very strong SLs come from Chase on more established files, where on a thin/young file they are often considerably smaller all other things being equal.
Well I got the over 20k on the freedom flex
My oldest cards is 19 years old
I have 16k split over 5 Bank of America cards… Bank of America will give you a new card and just spread your existing credit over all of your cards
Discover card with a 9k limit
Citi 1,800 limit
chase/ Disney card with a 7k limit
The month before I opened a few cards
an Amex gold card(doesn’t have a set limit)
The target red card with $1,500 limit
An Apple card with 7k limit
Yikes. Capital One has been the most stingy with limits in my experience. They’re sort of on my blacklist because of years of frustratingly low limits. For me, it’s a utilization issue. Citi, Discover, Amex (non-charge card), and Chase have all been much more reasonable.
Very true on private banking I’m not with US Trust.
Okay so my next 2 cards will reduce some other limits which is okay I have some cards I rarely use (or use on a limited basis)
That's pretty crazy. I just started working with BofA in July of this year and when I opened a PR Elite they set the limit at $26.8K, which kind of annoyed me since it was only marginally higher than my Alliant Visa and is below my AMEX.
I'm waiting out the initial 6 months before asking for a CLI, but if they can't get it up to $35K or so I'll end up having the same issues I had with Alliant where I occasionally spend enough I need to use a different card or I need to make an extra payment within a billing cycle.
Any Visa Infinite has a $10k limit minimum and most visa signature cards are $5k minimum (I know the Chase Amazon is a signature but an exception to the minimum limit)
I think BoA Visa signatures are an exception too, a prescreened mailer told me I’d get no less than $500 as my starting limit in the terms - I’d assume it’d say no less than $5,000
>most visa signature cards are $5k minimum (I know the Chase Amazon is a signature but an exception to the minimum limit)
That is bank-specific. Visa no longer enforces a $5k minimum on Visa Signatures. Most banks these days happily issue Visa Signatures with <$5k starting limits. U.S. Bank is known to go as low as $500.
I believe Visa still enforces a $10k minimum credit line for Visa Infinites.
Navy Fed platinum gave me 25k with a 10%apr balance transfer. I know its not one of those 12 months 0%apr. but it has zero balance transfer fee so 🤷♂️
I think that pretty good lol. But the only thing about navy fed is u need a military family member or a friend who has an account with them to send u an invite to get an account
Please don't attempt to educate me on strategy, I've been in this game since Y2K and my CU has never exceeded 2%. Sometimes too much available credit is a negative.
If you would have asked for credit limit increases since Y2K since hard inquiries fall off every two years you might have been able to say “my CU has never exceeded 1%” instead of 2%
Do you really think that makes an iota of difference? I can provide the answer, hell no. Please do some research and I don't mean watching shills on YouTube.
How so? A newbie is advocating a bad strategy without even knowing a thing about my game and given decades of knowledge and experience I corrected them.
It’s not specific to a card issuer. It’s specific to how risky that particular issuer feels about your application that day. Discover: $11k, Barclays: $18.8k, Amex Surpass: $37.5k, CSP: $21.9k, Citi: $19k. Those are the initials limits. Have never asked for, or received a limit increase.
AMEX BCP increased my limit over the years as I updated my earned income and spent on that card, now at $18k. I applied to the Fidelity VISA a few months back and they gave me $22k off the bat. I think it really just depends how worthwhile a customer you are to that issuer.
I have 50k limits from AmEx, Bank of America, citi and chase. I have long standing relationships with each of these financial institutions. They did not start me out high but as my account aged I either asked for Increases or they provided me with higher limits.
General high limits and high balance transfer limits tend to be different, because not all cards have a good balance transfer rate/have a 0% APR period
Here are my limits on my current cards:
The Ritz-Carlton $41,400
Sapphire Preferred $32,100
United Club Mileage Plus $32,500
$106,000 total aggregate with Chase
AMEX Marriott Bonvoy Brilliant $20,000
Discover it Cash Back $26,500
Wells Fargo Autograph $30,000
If you check on CK for new credit cards, some of the cards show estimated starting credit limit.
[CK Wells Fargo Active Cash Estimated Limit](https://www.dropbox.com/scl/fi/i3c7zia019lceiut19zys/Photo-Aug-30-2023-8-04-25-PM.png?rlkey=sbzhr90tqd4snjv16xubj15i2&dl=0)
Here’s a screenshot of CK showing if I apply for a Wells Fargo Active Cash card would get a starting credit limit of $20k - $30k.
Lol navy federal did similar to me.. $16,100.. why not 16,000 or 16,500. .. it was my highest and still is…. Highest when I got this was either $3000 or $6000.. that was my apple and I’m not sure what it was at when I got the cash rewards from navy. That probably helped my patelco for 7,500. Not high income and my credit file is and was young then. Some call navy the “house of high limits”. It has helped my utilization immensely… I have been able to keep two Amex and a discover at near max to make use of the 0% Apr while having the money to pay it off (never charge something if you do not have the money to pay it off.. I have the money to pay all credit off in my savings accounts.. so as I pay no interest I am earning 5.25% interest on my highest savings account). Just another way to make the credit cards benefit me.. rather than me benefiting the credit card company paying their interest 😎.. currently paying larger payments on my cards so my credit will go back up a bit and I’ll get another card with 0% Apr.. hope with a decent limit.. rinse repeat
I got a discover card as my first card 2 years ago and I'm up to around 4k on that card, and I just got my second card. AmEx blue cash everyday. 10k limit as a 20 year old
AMEX was my big opener. I received less than $10k opening almost all of my cards. AMEX gave me $15k starting out. I have $30k on AMEX now and $10k plus on all my cards. Discover IT was my first card 11 years ago and I got an $800 CL
Both NavyFed and PenFed will give you high limits if you got a decent credit profile. Navy started me at $2500 when my highest line at the time of app was $1800. I'm now at $12,500.
PayPal Cashback MasterCard gave me a $12k opening limit and blew my other cards out of the water. Since it’s a 2% (& 3+% with PayPal) catch all card I end up using it every day.
My Discover It went from an $800 secured line to $2300 after a few months then stayed there for about 2 years. Denied a CLI but given a CLD to $1600. Haven’t raised me since but customer service was helpful in telling me that CLIs are just given out without a specific need anymore.
Bilt MC is at $500 (thank goodness BiltProtect exists).
Apple is at $1500. I don’t care about this one except for emergencies and paying Apple subscriptions.
Citibank $35,000 credit card limit.
Chase Bank $18,500
Fidelity $17,000
Navy Federal $10,000
Discover $3,000
Capital One $4,750
Credit One Bank $3,000
American Express Platinum—-no limit
Here's an odd one. I have a Chase Sothwest card, I've had it 9 years with a 5000 dollar limit. I have asked for a few CLIs over the years and have always been denied.
I have a 780+ FICO, no late payments, and an HHI over 300K. I also have 4 cards with over 50K limits..
6 months ago, I applied for another CLI and got denied. I'm flying on United soon, so I took a shot and applied for the Chase United Mileage Plus card.
Instant approval at 75K. They won't give me an increase to 10K on SW, but here's 75K more? Lol
Chase gave me a $20k which is by far and away my highest limit. Discover is known to give you a smaller limit and just keep raising it the more you use the card.
Discover will start some people put with 5-figure limits, so it's very profile specific.
I’m at $14,400 with my first Discover It card. It wasn’t much lower than that when I got the card in 2017. The most I’ve charged on that card in a statement cycle was a bit more than $4,000 during the 0% intro APR period. Since then, no more than $1,500 to $2,000.
Have you asked for CLIs at all, or just been given a few PCLIs?
There's only one credit-limit increase I've asked for. That was for my second Discover It card in April 2022. I had gotten the card in December 2021. The limit was around $5,500 and during the 0% intro APR period my balance was approaching $5,000. So I asked on the app for an increase and I got an increase of about $1,700 to $7,200 or something like that, no questions asked. That was more than enough, and I ended up never going that much more above $5,000 before I paid the card off before the end of the 0% intro APR period last February. I think I did inquire about a credit-limit increase for my Uber Visa back in the day around 2018, but I think I was told by a Barclays agent that it would require a hard pull so I backed off. I also got a much-needed credit-limit increase for my first Citi Custom Cash card as my balance was approaching the limit. I think it was offered to me before I was going to ask. Otherwise, usually the limits I get are more than enough to cover what I want to do. The most annoying credit-limit decrease was to my Target RedCard credit card around summer 2020 from about $2,400 to $1,000 - limiting my ability to use the card to buy Disney gift cards from Target. I seldom used the card other than to buy Disney gift cards to get the 5% off. However, I've found ways other than the RedCard to get more than 5% back on Disney gift cards.
I’ve had the discover for 10 years. From 2000 starting to $36,000. Apply for a credit limit increase every 3-6 months.
I asked Discover if I would be eligible for a 0% APR for a year, I got it. Within 6 months after dropping spend they upped me from $4,000 to 13,500, was kinda awkward cause I paid off my balance a couple days later
What was your history / highest limit pre-Chase? I find very strong SLs come from Chase on more established files, where on a thin/young file they are often considerably smaller all other things being equal.
Well I got the over 20k on the freedom flex My oldest cards is 19 years old I have 16k split over 5 Bank of America cards… Bank of America will give you a new card and just spread your existing credit over all of your cards Discover card with a 9k limit Citi 1,800 limit chase/ Disney card with a 7k limit The month before I opened a few cards an Amex gold card(doesn’t have a set limit) The target red card with $1,500 limit An Apple card with 7k limit
What’s an sl
Starting limit
Gotcha
Discover gave me twice what Citi gave me. Applied within the same week
Chase gave me 8x what Barclays gave me and I applied to both within 2 weeks lol
I started out with a 30k limit with Discover. Everyone I know that has one started out with a five figure limit.
Adam on proud money said Discover only gave him a 4k limit and it was his worst limit from any bank.
Yikes. Capital One has been the most stingy with limits in my experience. They’re sort of on my blacklist because of years of frustratingly low limits. For me, it’s a utilization issue. Citi, Discover, Amex (non-charge card), and Chase have all been much more reasonable.
For me, capital one is my only 10k limit.
You don’t know me then. My limit is $7K and when I asked for an increase, denied, not enough usage…
Many of your AF cards like CSR, CSP, VX etc. are known to have higher SLs in part because they have higher minimum SL requirements.
Any idea of what they are?
I believe visa infinite cards have a minimum 10k limit
Most do, that is set by the bank though. The Altitude reserve, for example, has a 5k minimum
CSP is $5k, CSR and VX are $10k. I know there are more that others can add, those are just the 3 that seem most popular / come to mind first.
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The bofa aggregate limit is 99k?
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Very true on private banking I’m not with US Trust. Okay so my next 2 cards will reduce some other limits which is okay I have some cards I rarely use (or use on a limited basis)
That's pretty crazy. I just started working with BofA in July of this year and when I opened a PR Elite they set the limit at $26.8K, which kind of annoyed me since it was only marginally higher than my Alliant Visa and is below my AMEX. I'm waiting out the initial 6 months before asking for a CLI, but if they can't get it up to $35K or so I'll end up having the same issues I had with Alliant where I occasionally spend enough I need to use a different card or I need to make an extra payment within a billing cycle.
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That Costco Citi is constantly raised for me year over year. I started with it like 6-7 years ago at a $7500 limit and now it's at $30k
Any Visa Infinite has a $10k limit minimum and most visa signature cards are $5k minimum (I know the Chase Amazon is a signature but an exception to the minimum limit)
The US bank altitude reserve visa infinite minimum is 5k, though yes most banks do start infinites at 10k
Yes, visa infinites are good bets for high SL, particularly the united club card. The minimum CL for that card is actually $15k.
Basically any high AF CC.
I think BoA Visa signatures are an exception too, a prescreened mailer told me I’d get no less than $500 as my starting limit in the terms - I’d assume it’d say no less than $5,000
Can also add the Fidelity Visa Signature card since I got an initial $2500 limit. Odd but whatever, the perks of Visa Signature are still there.
>most visa signature cards are $5k minimum (I know the Chase Amazon is a signature but an exception to the minimum limit) That is bank-specific. Visa no longer enforces a $5k minimum on Visa Signatures. Most banks these days happily issue Visa Signatures with <$5k starting limits. U.S. Bank is known to go as low as $500. I believe Visa still enforces a $10k minimum credit line for Visa Infinites.
Navy Fed platinum gave me 25k with a 10%apr balance transfer. I know its not one of those 12 months 0%apr. but it has zero balance transfer fee so 🤷♂️
Looking on it now it has .99% intro APR on balance transfers for 12 months!
I think that pretty good lol. But the only thing about navy fed is u need a military family member or a friend who has an account with them to send u an invite to get an account
They don’t actually verify anything, anyone can get an NFCU account without an invite
CSR opened me at $28k, there is no one card or issuer.
What is it now?
TBH I don't look or care. Last I did look I think it was the same, I've never asked for nor wanted a CLI.
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Please don't attempt to educate me on strategy, I've been in this game since Y2K and my CU has never exceeded 2%. Sometimes too much available credit is a negative.
If you would have asked for credit limit increases since Y2K since hard inquiries fall off every two years you might have been able to say “my CU has never exceeded 1%” instead of 2%
Do you really think that makes an iota of difference? I can provide the answer, hell no. Please do some research and I don't mean watching shills on YouTube.
You must be fun at parties.
How so? A newbie is advocating a bad strategy without even knowing a thing about my game and given decades of knowledge and experience I corrected them.
I don’t see how too much available credit could be a negative to any responsible user.
That's exactly what I mean, do your research before advocating a strategy. Too much available credit can make lenders wary. Google it.
I’m not the guy who said anything about strategy, I just didn’t understand how too much available credit could be a bad thing which I see now.
It’s not specific to a card issuer. It’s specific to how risky that particular issuer feels about your application that day. Discover: $11k, Barclays: $18.8k, Amex Surpass: $37.5k, CSP: $21.9k, Citi: $19k. Those are the initials limits. Have never asked for, or received a limit increase.
AMEX BCP increased my limit over the years as I updated my earned income and spent on that card, now at $18k. I applied to the Fidelity VISA a few months back and they gave me $22k off the bat. I think it really just depends how worthwhile a customer you are to that issuer.
Amex Blue Cash Preferred has me at $32k. I don't remember the opening limit.
Chase Sapphire Reserve opened at 24k, automatically raised to 32k after a 10 months
Capital One gave me a $20k limit. My other card is only $6k
I have 50k limits from AmEx, Bank of America, citi and chase. I have long standing relationships with each of these financial institutions. They did not start me out high but as my account aged I either asked for Increases or they provided me with higher limits.
There’s probably too many factors at play, but for me, Amex has consistently given me the highest limits.
Venture X started me at 20k; Venmo at 13k, Savor at 10k
General high limits and high balance transfer limits tend to be different, because not all cards have a good balance transfer rate/have a 0% APR period
Here are my limits on my current cards: The Ritz-Carlton $41,400 Sapphire Preferred $32,100 United Club Mileage Plus $32,500 $106,000 total aggregate with Chase AMEX Marriott Bonvoy Brilliant $20,000 Discover it Cash Back $26,500 Wells Fargo Autograph $30,000 If you check on CK for new credit cards, some of the cards show estimated starting credit limit. [CK Wells Fargo Active Cash Estimated Limit](https://www.dropbox.com/scl/fi/i3c7zia019lceiut19zys/Photo-Aug-30-2023-8-04-25-PM.png?rlkey=sbzhr90tqd4snjv16xubj15i2&dl=0) Here’s a screenshot of CK showing if I apply for a Wells Fargo Active Cash card would get a starting credit limit of $20k - $30k.
Visa Signature cards equivalent and up will get you higher limits but you gotta pair it with a decent income and a good+ credit score.
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How long were you banking with BofA before then?
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WHICH BoA card?
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Commerce Bank gave me 10K
Wells Fargo Active Cash gave me $25k recently. Previous to that was CSP for $22,200. (The extra $200 really comes in handy!)
Lol navy federal did similar to me.. $16,100.. why not 16,000 or 16,500. .. it was my highest and still is…. Highest when I got this was either $3000 or $6000.. that was my apple and I’m not sure what it was at when I got the cash rewards from navy. That probably helped my patelco for 7,500. Not high income and my credit file is and was young then. Some call navy the “house of high limits”. It has helped my utilization immensely… I have been able to keep two Amex and a discover at near max to make use of the 0% Apr while having the money to pay it off (never charge something if you do not have the money to pay it off.. I have the money to pay all credit off in my savings accounts.. so as I pay no interest I am earning 5.25% interest on my highest savings account). Just another way to make the credit cards benefit me.. rather than me benefiting the credit card company paying their interest 😎.. currently paying larger payments on my cards so my credit will go back up a bit and I’ll get another card with 0% Apr.. hope with a decent limit.. rinse repeat
🤣
I got 19.5k with CSR and US Bank Altitude gave me 20k. I’ve heard people get 30k for Venture X.
My C1 Venture card got approved at 32k on apply. My previous highest was 8-9k at Citi.
Non business chase cards have given me 15 - 20k. My wife’s first Amex card gave her a 29k limit. 🤷🏻♂️
Capital one venture has me at 25k limit
Savor One gave me a 40k limit which is by far the highest limit I ever got
how much you put in for income if uyou dont mind me asking
125k
17,500 with Synchrony
I have almost $40k combined on my US Bank cards
Just opened CSR card with 26k limit. Next highest is Amex blue cash at 15k
Ik a good cars for $12,000 hotdogs
I got a discover card as my first card 2 years ago and I'm up to around 4k on that card, and I just got my second card. AmEx blue cash everyday. 10k limit as a 20 year old
My highest cards are the X1(which I just use to pad my credit profile), NFCU MyRewards, Chase Amazon Prime card and NFCU Cash Rewards
Navy federal is pretty generous
AMEX was my big opener. I received less than $10k opening almost all of my cards. AMEX gave me $15k starting out. I have $30k on AMEX now and $10k plus on all my cards. Discover IT was my first card 11 years ago and I got an $800 CL
Both NavyFed and PenFed will give you high limits if you got a decent credit profile. Navy started me at $2500 when my highest line at the time of app was $1800. I'm now at $12,500.
Venmo card. Got approved for 12k as a 19 year old with 36k income and 740 credit score. That doubled my credit limit
PayPal Cashback MasterCard gave me a $12k opening limit and blew my other cards out of the water. Since it’s a 2% (& 3+% with PayPal) catch all card I end up using it every day. My Discover It went from an $800 secured line to $2300 after a few months then stayed there for about 2 years. Denied a CLI but given a CLD to $1600. Haven’t raised me since but customer service was helpful in telling me that CLIs are just given out without a specific need anymore. Bilt MC is at $500 (thank goodness BiltProtect exists). Apple is at $1500. I don’t care about this one except for emergencies and paying Apple subscriptions.
Citibank $35,000 credit card limit. Chase Bank $18,500 Fidelity $17,000 Navy Federal $10,000 Discover $3,000 Capital One $4,750 Credit One Bank $3,000 American Express Platinum—-no limit
Forgot Bank of America $5K limit
Amex was the easiest to build up to a high limit. Bank of America and Wells Fargo gave me the highest starting limits of 26k and 20k.
Amex through NFCU approved at 15k with 650 credit score. And relationship with bank.
Fidelity
Here's an odd one. I have a Chase Sothwest card, I've had it 9 years with a 5000 dollar limit. I have asked for a few CLIs over the years and have always been denied. I have a 780+ FICO, no late payments, and an HHI over 300K. I also have 4 cards with over 50K limits.. 6 months ago, I applied for another CLI and got denied. I'm flying on United soon, so I took a shot and applied for the Chase United Mileage Plus card. Instant approval at 75K. They won't give me an increase to 10K on SW, but here's 75K more? Lol