Credit Card Center Advertiser Disclosure†
09-01-2012 02:37 PM
Maybe you should pick up a card from a credit union they seem to be pretty generous with limits.
I agree, this would put you over that 5K hump more than likely.
09-01-2012 02:49 PM
I've seen a lot of chatter about Alliant on these boards.
09-01-2012 03:30 PM
I believe you can gain access by joining one of their member organizations.
09-01-2012 03:50 PM - edited 09-01-2012 03:52 PM
Sounds like BECU is a good one in WA
EDIT: How long after joining a credit union do you think I should apply for their credit card?
09-01-2012 04:01 PM
I joined PSECU back in March and set up a direct deposit of $100 a month in a checking acount and then applied and was approved for their Visa/PSL in July. I got a 15K CL. My highest to date. It reports as 2separate credit lines. Comes in handy forutilization purposes.
09-02-2012 03:32 PM
So for those who had good experiences with this card, I have some questions.
What makes this card so special in terms of the rewards? I mean compared to the Freedom or Citi Forward.
Also, knowing that this card starts at $5000 of CL ... does that make it hard to get? Do you have to have limits close to $5000 at the time of application to be approved for that limit?
How about AAoA ?
This card is great because all travel and ALL going out to eat purcahses from fast food to fine dining is 2x the points. Also you can transfer the reward points at a 1:1 ratio.
This card is a Visa Signature so I assume that means the CL has to be at least 5K out of the gates. I can tell you that I was approved for the Chase United Mileage Plus Explorer card first with a CL of 8K. My highest CL when Chase pulled EQ for me was my Dillards store card which was 3100. Some people say you have to have at least a card with 5K to get higher limits but that was not the case with me. My AAoA was 6 years and Utilization was around 8%. When I APP'ed for the Chase Sapphire Preferred it said Pending Further Review; I immediately called the Recon line listed in this forum and the credit analyst informed me that I was approved for a CL of 5K. I have since swapped some credit from the MPE Card to the CSP as I will be using the CSP for alot of my purchases.
So basically I don't believe you need to have a card with a high limit reporting to get a card with a high limit. But as folks say YMMV. Hope this helps.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.