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Credit Cards which give you highest starting credit limit from the start

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rollerkosh
Established Member

Credit Cards which give you highest starting credit limit from the start

What is a good credit card which gives you a high credit limit right after you Get in
Message 1 of 29
28 REPLIES 28
navyox
Regular Contributor

Re: Credit Cards which give you highest starting credit limit from the start

Credit Unions always come up when people ask this.



Starting Score: 676 CK 5/13. Current: 717 EX 6/15 -- Last App: 6/2014
Message 2 of 29
navigatethis12
Valued Contributor

Re: Credit Cards which give you highest starting credit limit from the start

It really depends on income and the overall credit profile. Some may get 25,000 to start and someone else may get 250 to start. I have no credit unions so can't comment on them. First National Bank of Omaha gave a decent limit, along with US Bank, PNC, Chase, and Citi.

Message 3 of 29
Iorek
Contributor

Re: Credit Cards which give you highest starting credit limit from the start

Amex gives SP 3x CLIs after 61 days of account opening, so if you can be patient that can lead to a high CL not too long after opening.
Amex BCE ($15k), TE ($5k), BoA BBR ($600), Cash Rewards ($600), Barclays Sallie Mae ($6k), CapOne Quicksilver ($4k), Chase Freedom ($5.8k), CSP ($11k), Marriott (9k), IHG (12k), DCU ($6k), Discover IT ($6.5k)
TU - 4 INQ, EX - 7 INQ, EQ - 3 INQ
Gardening since 06/25/14.
Message 4 of 29
CashOnDelivery
Established Contributor

Re: Credit Cards which give you highest starting credit limit from the start

Credit Unions can open many doors!

2010: 475 EQ 2011: 503 EQ 2012: 600 EQ2013:632 EQ
Starting Score: 634 EQ-3/13/13
Current Score: 706 EQ-8/29/13 703 EX-7/12/13 705 TU-8/9/13
Goal Score: 700

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Message 5 of 29
wl123
Established Member

Re: Credit Cards which give you highest starting credit limit from the start

BOA started me out highest but they are unlikely to grow without customer-initiated HP. I got $2000 on a student card in college (my first card) and $7500 on Travel Rewards earlier this year. I'm also a banking customer with them. Amex starts out relatively low but you can get 3x CLI with only a SP if you qualify. I went from $3000 to $9000 with them easily. Citi has also been great to me. I went from $4000 to $10200 with several $1500-1600 CLIs, all SP. Credit profile and income are obviously important in determining CL, but responsible usage over time also counts for a lot.

Message 6 of 29
JSS3
Valued Contributor

Re: Credit Cards which give you highest starting credit limit from the start

After 6 months of history and 3 cards with($500, $500, $1,100 CLs), Discover gave me a nice starter limit of 2,000.

Message 7 of 29
azguy13
Senior Contributor

Re: Credit Cards which give you highest starting credit limit from the start

There are so many factors for initial CL. However, I have found NFCU leading the way and then Amex. That is just my personal opinion though.

Message 8 of 29
myjourney
Super Contributor

Re: Credit Cards which give you highest starting credit limit from the start


@azguy13 wrote:

There are so many factors for initial CL. However, I have found NFCU leading the way and then Amex. That is just my personal opinion though.


NFCU is definitely on top 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 9 of 29
Themanwhocan
Senior Contributor

Re: Credit Cards which give you highest starting credit limit from the start


@myjourney wrote:

@azguy13 wrote:

There are so many factors for initial CL. However, I have found NFCU leading the way and then Amex. That is just my personal opinion though.


NFCU is definitely on top 


If only NFCU would accept me. My father and my fathers 3 brothers were WWII veterans (sounds like Saving Private Ryan, except none of them died), and whose Grandfather was a WWI veteran... Ah well. I'll have to accept the fact that I'm just not a part of a military family.





TU-8: 804 EX-8: 805 EQ-8: 788 EX-98: 767 EQ-04: 752    
TU-9 Bankcard: 837 EQ-9: 823 EX-9 Bankcard: 837
Total $443,800
Message 10 of 29
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