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Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
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Re: Credit Card High Limit $2000

So it's going 2 hard pull for zync and BCE right !???


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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Re: Credit Card High Limit $2000

It maybe three. I have some messed up lates on my auto loan and they pulled all three CR for my two apps. Zync was ex only but delta they also pulled TU and EQ.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Established Contributor
Posts: 869
Registered: ‎07-04-2012
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Re: Credit Card High Limit $2000

[ Edited ]

I got zync and bcp last month with 25k income, thin file and no relationship with Amex. Score was around 750 though.

edit: they ony pulled once for both.

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
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Re: Credit Card High Limit $2000


CruzImperial wrote:

I got zync and bcp last month with 25k income, thin file and no relationship with Amex. Score was around 750 though.

edit: they ony pulled once for both.


i guess i probably wait till my score hit 700 then think about apply for something......right now maybe in the garden......just pre-checking on it for my next 6 months and 1 years apps ;d

 


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Established Contributor
Posts: 657
Registered: ‎06-27-2012
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Re: Credit Card High Limit $2000

Glad you decided to wait on BCE for sure your gonna need scores in mid 700's with low uti.  Don't know if you have this one but what bout Wal Mart CC? GE gives cli's every 4 months and Discover and Chase may work as well

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
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Re: Credit Card High Limit $2000


migliogiorni wrote:

Glad you decided to wait on BCE for sure your gonna need scores in mid 700's with low uti.  Don't know if you have this one but what bout Wal Mart CC? GE gives cli's every 4 months and Discover and Chase may work as well

 


thanks for the advice but I'm getting tired of those low limit I mean I just want to go for somepromise high limit and stay with it.......so I guess I probably in garden for a couple month then apps for some nice card for my list then I'm done........


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Member
Posts: 20
Registered: ‎09-15-2012
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Re: Credit Card High Limit $2000

Just wanted to point out when I first applied for AmEx blue cash, they started me off @$2500 CL even though I had higher limits from other cards at that time. Not sure what you consider high, but just thought you should know I think they start you off at a conservative CL before bumping you higher through CLI requests.
Chase Marriott Premier $15k
Chase Sapphire Preferred $20k
AmEx BCE $15k | AmEx BCP $22k (AU)
Citi Dividend Plat $10.6k
CapOne Cash Rewards $7.5k
EX 791/ EQ 781/TU 781
Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
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Re: Credit Card High Limit $2000


annab wrote:
Just wanted to point out when I first applied for AmEx blue cash, they started me off @$2500 CL even though I had higher limits from other cards at that time. Not sure what you consider high, but just thought you should know I think they start you off at a conservative CL before bumping you higher through CLI requests.

to me about 2000 @ first start should be good enough because i know Amex give a very nice CLi after 61 days and 6 months so by that.....it wouldnt be a problem thou......thanks for the info....wat about your others card when they approve you ?

 


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Member
Posts: 20
Registered: ‎09-15-2012
0

Re: Credit Card High Limit $2000

To be honest, I never understood the importance of credit scores until I made my first house purchase 5 yrs ago. So before that, I applied to a whole bunch of credit cards in my college days with the lack of understanding. My very first card was with citi as a college card with starting cl of $500. Then after applying through a series of other cards with chase, like Amazon card, circuit city card for my new TV, Dell credit line for new PC, then old navy, & the initial limits steadily grew with each application. They were spaced at least 1 year apart though, so I think that helped.

From $500, then $1000, $3k, $8k, then finally HSBC took a chance on me and gave me $18.5k cl and chase topped that with $20k. This is over a period of 9 yrs now

I would recommend trying citi cards and chase as they starting to give me CLI and grew with me over the years. I do regret closing out some of those older accounts with no annual fee now that I look back and understand how important age of credit history factors in, but that is water under the bridge
Chase Marriott Premier $15k
Chase Sapphire Preferred $20k
AmEx BCE $15k | AmEx BCP $22k (AU)
Citi Dividend Plat $10.6k
CapOne Cash Rewards $7.5k
EX 791/ EQ 781/TU 781
Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0

Re: Credit Card High Limit $2000

im currently stay away from chase cuzz i had a charge off with them and still in problem with them but would love to hear about City...what the best one ?? why you like it ? do they give a nice increase......my list only Amex BCE and Discover ..welll at least for now....


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

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