Cards that give high vs low limits

[MoreRewards]

Can we start a list of credit cards that generally seem to give low limits & those that give high limits.

[BrokaToe]

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@MoreRewards wrote:
Can we start a list of credit cards that generally seem to give low limits & those that give high limits.

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To be honest with you, this would be a really hard thread to compile. Considering initial limits are given out with such a wide variety of variables at play. Depending on the person and their credit profile limits could vary drastically. That being said, in my experience, Chase seems to be low balling me, while Discover was very generous.

I was approved for both on the same day and Discover gave me a $7,000 starting line while Chase gave me a $500 starting line on the Freedom.  There again, that just goes to show you how much variance there could be between lenders as well. Of course both of those banks pulled different credit reports and they were a bit different at that time, so...

[B335is]

Low Limits:

Target

Abercrombie & Fitch

[xXIDaShizIXx]

Kohls low.
GE Generally high.

[Chris679]

Starting limits are based on your credit profile at the time. I once got two Citi cards one month apart one for $6000 and the other for $1500.

[MoreRewards]

I figured it would vary.

I've always heard Discover is on the conservative side too.

But one thing I keep seeing is how generous CU are & that Amex usually gives good starting limits. I don't have a card from Amex. So I've no personal experience with them.

I totally understand that it can vary from lender & each persons credit profile is different.

[Anonymous]

In my experience:
Low start but easy to increase limit shortly thereafter:
NY&CO, The Limited, Abercrombie, AE, Victoria's Secret, Carsons, Kohls, capital one, jc Penney, Ann Taylor, old navy, banana republic, gap, Tj Maxx, Walmart, express, marathon, the buckle

Chase freedom started at $700 no increase so far in 12 months. Speedway is slow to give an increase unless you use it every month, Mobil is also slow

Higher limits- Jared, Gardner White, Macy's, Bloomingdales, Chase Amazon, care credit, Barclay, Merrick bank, first national credit card, blaze MasterCard, show MasterCard, Amazon rewards

[MissMoni223]

Chase Freedom started me at $5,000!

American Eagle started me at $150!

[TURNERHOOVER]

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@BrokaToe wrote:

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@MoreRewards wrote:
Can we start a list of credit cards that generally seem to give low limits & those that give high limits.

---

To be honest with you, this would be a really hard thread to compile. Considering initial limits are given out with such a wide variety of variables at play. Depending on the person and their credit profile limits could vary drastically. That being said, in my experience, Chase seems to be low balling me, while Discover was very generous.

I was approved for both on the same day and Discover gave me a $7,000 starting line while Chase gave me a $500 starting line on the Freedom.  There again, that just goes to show you how much variance there could be between lenders as well. Of course both of those banks pulled different credit reports and they were a bit diff

erent at that time, so...

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Exact opposite for me: 

Chase approval - 4k

Discover approval - 1.5k 

[Anonymous]

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@MoreRewards wrote:
I figured it would vary.

I've always heard Discover is on the conservative side too.

But one thing I keep seeing is how generous CU are & that Amex usually gives good starting limits. I don't have a card from Amex. So I've no personal experience with them.

I totally understand that it can vary from lender & each persons credit profile is different.

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I just got a discover and they beat my highest current cl by $500 ($6500), and beat my highest previous sl by $1500 ($5000).

From observations here the new BP cards that everyone was getting a few weeks ago all had $1500 or less as sl, regardless of whether it was the store card or not.