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Did I hit my limit?

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Benzman
Frequent Contributor

Did I hit my limit?

Been doing some gardening and letting inquiries drop off the past few months. Figured I would go for one or two new cards for the holidays. Normally got instants and 5K or more with past apps/cards over the years, but now, still instant approvals but only 2K ? Went for HSBC gold and BB&T bright, 2K each, and both my lowest limits EVER!

Perfect records, no baddies/lates, overall util 2% and no card more than 18 util. 10 to 12 inq each report.

Amex CM 10K | Amex ED 10K | Amex BCE 7.5K | 5/3RD SU2C 10K | 5/3RD SU2C 6.5K | Barclays Cash 6K | Barclay AARP 3.5K | Bread AMEX 9K | Citizens Cash 8K | Citizens Clear 2K | Citi® DP 11.3K | Citi® Simplicity 9.4K | Citi® TY 6.5K | Citi® DC 4K | Citi CuC 3.4K | Cap One QS 14.6K | Cap One WM MC 11K | Discover It 19.5K | Discover Miles 13.5K | BOA Cash 13.2K | BOA 7K | US Bank State Farm Visa 4K | US Bank AMEX 22.5K | US Bank Plat 16.5K | US Bank Cash 11.2K | FNBO Rewards 20K | FNBO Evergreen 11.3K | Huntington Voice 7,750K | Huntington Voice Rewards 8.7K | PF|CP Rewards 8.2K | PF|CP Gold 3.2K | PNC Cash 15K | PNC Core 15K | PNC Points 8K | Fidelity 15K | Wells Active 12K | Wells Reflect 10K | Target MC 12.5K | TD Cash 4.5K | Truist 6.5K | Truist 6.5K | Truist 6.5K | Truist 6.5K | Synch Premier MC 11.6K | Ebay MC 10K | Apple Card 5.5K | Deserve Digital 6K | Simon AMEX 6K | Chase Amazon 1.5K | F8 Scores 4/23 EX789; TU781; EQ792.
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3 REPLIES 3
K-in-Boston
Credit Mentor

Re: Did I hit my limit?

4x income is quite a bit (I likely won't say that if/when I hit a million, though LOL) but I think this is more a matter of two known conservative lenders.  Those credit lines seem somewhat par for the course.

Message 2 of 4
Benzman
Frequent Contributor

Re: Did I hit my limit?

Thanks for the reply K. For some reason, I thought HSBC was a "more giving" lender.

Amex CM 10K | Amex ED 10K | Amex BCE 7.5K | 5/3RD SU2C 10K | 5/3RD SU2C 6.5K | Barclays Cash 6K | Barclay AARP 3.5K | Bread AMEX 9K | Citizens Cash 8K | Citizens Clear 2K | Citi® DP 11.3K | Citi® Simplicity 9.4K | Citi® TY 6.5K | Citi® DC 4K | Citi CuC 3.4K | Cap One QS 14.6K | Cap One WM MC 11K | Discover It 19.5K | Discover Miles 13.5K | BOA Cash 13.2K | BOA 7K | US Bank State Farm Visa 4K | US Bank AMEX 22.5K | US Bank Plat 16.5K | US Bank Cash 11.2K | FNBO Rewards 20K | FNBO Evergreen 11.3K | Huntington Voice 7,750K | Huntington Voice Rewards 8.7K | PF|CP Rewards 8.2K | PF|CP Gold 3.2K | PNC Cash 15K | PNC Core 15K | PNC Points 8K | Fidelity 15K | Wells Active 12K | Wells Reflect 10K | Target MC 12.5K | TD Cash 4.5K | Truist 6.5K | Truist 6.5K | Truist 6.5K | Truist 6.5K | Synch Premier MC 11.6K | Ebay MC 10K | Apple Card 5.5K | Deserve Digital 6K | Simon AMEX 6K | Chase Amazon 1.5K | F8 Scores 4/23 EX789; TU781; EQ792.
Message 3 of 4
K-in-Boston
Credit Mentor

Re: Did I hit my limit?

They're generous to their investment clients, but with the limited data points I've seen lately there haven't been staggeringly large starting lines. I know HSBC used to play in the subprime market before those accounts were sold off to CapOne ages ago, but I'm pretty sure they just very recently entered the US market again.

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