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New Member
Posts: 4
Registered: ‎04-06-2011
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670 avg score. What co. will give highest limit?

I have a 670 average credit score. I need a card with the highest limit I can get, and I don't care about limit or fees or anything else. I will be paying off the full balance before the billing cycle every month. Which card companies have been the most liberal with credit limits for average scores? I don't want to get in a situation where they give me a $500 limit and I have to immediately cancel and have the fee refunded. Secured card is not an option. Thank you so much for the advice! : )

New Member
Posts: 4
Registered: ‎04-06-2011
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Re: 670 avg score. What co. will give highest limit?

OOppps, I meant I don't care about interest rate or fees.

Valued Contributor
Posts: 1,129
Registered: ‎01-20-2011
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Re: 670 avg score. What co. will give highest limit?

PSECU may be a good opiton. They have been known to be liberal with CLs and easy to get approved for. The only problem is they have no rewards.

Amex PRG | BoA Cash rewards 35K | BoA Cash rewards 7K | Citi AAdvantage 15 K | Chase Sapphire Preferred 11 K | Chase Freedom 10k | Chase United 5 K | Chase Southwest 5K | Chase Airtran 6.4K | Discover IT 8K | Barclays US Airways 7.8 K | DCU 3 K | US Bank Flex Perks 8K | Toys r US 6 K | JC Penney 4.6 K | Macy's 1200 | Kohl's 600
Ex Fico: 762 (PSECU)
EQ Fico: 764 (DCU)
TX Fico: 773 (Discover)
Contributor
Posts: 155
Registered: ‎08-10-2009
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Re: 670 avg score. What co. will give highest limit?

Are you looking for a department store card or a regular credit card?  I applied for a Barclay's card and my limit is pretty fair on that one at $2,000.  I just recently applied for a dillards amex and was approved for $1200.  I have one score that sits over 700 and two that are just below 700.  I know you want a high limit right away but if you get one of these cards and they don't give you the limit that you want, i've been lucky enough to get generous increases every 3 months.  Sometimes i've asked for it and other times I haven't but what works for me is that i've carried small balances instead of paying them off in full every month.  I think from a credit company perspective, if you pay the balance off in full, they aren't generating any money from you as a consumer so what would be the point of increasing your limit?  That's how I think they view consumers.  I say give those two companies a try.

Frequent Contributor
Posts: 255
Registered: ‎03-26-2011
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Re: 670 avg score. What co. will give highest limit?

Not sure what you credit history is like but last month I was approved with a 659 EQ with Wells Fargo and received a $7000 CL. My history was clean and short. Its a good card and if you plan to PIF each month they will treat you good.  Others may say different but they have always been good to me even when I had their secured CC.

9/6/14 TU 716 EX 700 EQ 681 Lowe's $15,000/GM BuyPower $10,000/Sam's Club $8500/Discover $8000/Wells Fargo Visa $7000/Sam's Club MC $7000/Barclays Rewards $4500/State Farm $4000//WalMart MC $4000/Old Navy Visa $4000/Amazon $4000/Nationwide Visa $3500/GM Card $3000/Macy's $2800/Wells Fargo AmEx $2500/Frontier $2500/AmEx Costco $2000/Chase Freedom $1000/AmEx Delta $1000/US Bank Platinum $1000/Wells Fargo PLOC $5000
New Member
Posts: 4
Registered: ‎04-06-2011
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Re: 670 avg score. What co. will give highest limit?

My credit scores from free credit score are 748 Experian(is that EX?) which is Vantage I believe, 666 on Equifax(kinda spooky), and 675 on TU. It appears on posts that PSECU is taking people a while and I need this card ASAP. As a side note, it is a short term solution for business inventory which will actually help me pay down my existing debt quickly.Do you think you got a high CL with Well's because of your history with them? I have no late payment in the 24 months on my reports and it only referenced 30 day lates in the notes. What was your credit score for the Barclay's card? Like I said it is a short term solution and I will switch cards soon, if things go as well as I think they will, so interest rate, benefits, fees, ect. are inconsequential to me as long as I get at the VERY least a 2k-3k card. Is there any advantage from a CL standpoint of opening a business card with my new LLC?

Frequent Contributor
Posts: 474
Registered: ‎09-12-2010
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Re: 670 avg score. What co. will give highest limit?

are you looking to carry a balance or decrease your overall utilization? and what is your plan with this card

FICO scores - 727 TU(Walmart)/ 727 EX(Amex app)/ 721 EQ(Discover app)
In My Wallet: BankAmericard Cash Rewards($2,000), Discover More($3,000), Chase Freedom($2,000), Fidelity Amex($1,000), Sam's Club Discover($4,400), SallieMae 5% Mastercard($5,000), Amex BCE($2,000) ,Citi Simplicity($2,000), Paypal SmartConnect($3,100), Walmart Store Card($2,350), Chase Amazon Visa($700), Target RedCard($500), Capital One Cash Rewards($750), Best Buy Store Card($1,900), HHGregg($2,000), Amazon Store Card($1,250),Newegg Preferred Account($2,000), Park West($2,000), BankAmericard Travel Rewards($5,000)
New Member
Posts: 4
Registered: ‎04-06-2011
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Re: 670 avg score. What co. will give highest limit?

Most likely pay off the balance every month. It will be used for buying and and quickly selling inventory.

Frequent Contributor
Posts: 255
Registered: ‎03-26-2011
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Re: 670 avg score. What co. will give highest limit?

I can't speak on the LLC part.

 

As far as Wells, my history with them may have played a small part in it but for the most part I feel my overall credit history was the factory and my score.  They usually pull EX, mine is frozen so I called and got a Sup to pull my EQ. I really think you would get in with them very easy.  They do have 0% on purchases for the first 5 or 6 months.  You should get a instant decision online I believe.  Mine was not due to my EX being frozen.

 

Otherwise, try for US Bank. I didn't get in with them after a big run around but I hear others get in with them very easy.

9/6/14 TU 716 EX 700 EQ 681 Lowe's $15,000/GM BuyPower $10,000/Sam's Club $8500/Discover $8000/Wells Fargo Visa $7000/Sam's Club MC $7000/Barclays Rewards $4500/State Farm $4000//WalMart MC $4000/Old Navy Visa $4000/Amazon $4000/Nationwide Visa $3500/GM Card $3000/Macy's $2800/Wells Fargo AmEx $2500/Frontier $2500/AmEx Costco $2000/Chase Freedom $1000/AmEx Delta $1000/US Bank Platinum $1000/Wells Fargo PLOC $5000
Contributor
Posts: 155
Registered: ‎08-10-2009
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Re: 670 avg score. What co. will give highest limit?

My score was right around 650 at the time.
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