Frequent Contributor
Posts: 273
Registered: ‎10-02-2012

Do banks generally grant higher limits?

Hi all. I'm a college student and have a bank account with PNC. I work part time and my annual income is a little over 9k. I got approved for a CapOne journey with only a 300$ limit. Now, two of my friends, who work a little more than me, so maybe make about 10 or 11k annual income, have been approved for credit cards by their bank for 1000$+ limits


So my question is, should a member of a bank apply for a credit card with that bank? Do banks generally grant higher limits to their members? Should I apply for credit with PNC? 

AE Store CC: $850 | AEO Visa: $2,300 | CapOne Quicksilver: $1,700 | Citi Forward for Students $1,500 | Walmart CC $1,350 | Chase Amazon: $500 | PayPal Smart Connect: $500 | Discover iT for Students: $500 | Chase Freedom: $500

Gardening until util 30%
TU Fico: 652 (3/11/14)
Senior Contributor
Posts: 6,242
Registered: ‎08-16-2012

Re: Do banks generally grant higher limits?

I feel like banking relationships improve approval/terms/limits.


However, a high FICO shall set you free.....


just think about what would be good for your FICO. Remember that C1 accounts typically do not grow. I'd recommend opening some GE accounts!

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Frequent Contributor
Posts: 344
Registered: ‎10-25-2011

Re: Do banks generally grant higher limits?

Crapone wont grow as already stated. GE cards do grow so that could be an option for you or a credit union who tend to more generous than banks.

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+