Does everybody start with low limit cards?

[drinkthekoolaid]

Dang bribro is that 150,000 on CL with just chase plus the Palladium?

[enharu]

Most people start with low limits. I started with a 700 WF unsecured card myself. I was opening a checking account and the banker suggested some "combo" package and I went along with it. Ended up with a savings, checkings, credit card and a free pony

I've seen a few people start with >10k CLs. 

Most of those people either have rich parents, or they just never bothered getting CCs until they were already well established in their careers and finances. 

[myjourney]

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@enharu wrote:

Most people start with low limits. I started with a 700 WF unsecured card myself. I was opening a checking account and the banker suggested some "combo" package and I went along with it. Ended up with a savings, checkings, credit card and a free pony

I've seen a few people start with >10k CLs. 

Most of those people either have rich parents, or they just never bothered getting CCs until they were already well established in their careers and finances. 

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They gave you a pony now I know I got beat ...awwwh man Lol

[bribro]

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@drinkthekoolaid wrote:

Dang bribro is that 150,000 on CL with just chase plus the Palladium?

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Yes. I do my banking and investing through J.P. Morgan and fly United fairly often, so the Chase/Ultimate Rewards credit card platform is a perfect fit.

[drinkthekoolaid]

Understandable, hiring? LOL

[Kels]

Do you belong to a credit union? They generally give out higher limits.

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@trying_to_B_good wrote:

Hello all!.....and WAR EAGLE!

My question is this.  Did everybody here start with low limit cards and build up to the larger limit(ie$1,000+) cards, or did you just start getting the higher limit cards from the start?  You can see my cards listed at the bottom of this post.  The highest limit on these cards are the victoria's secret($500) and Total Rewards Visa($500).  The other cards vary from $300-$400 limits.  I know that PIF each month is key to CLI's. Does salary come into play with the limits issued, upon opening accts?  I recently got an offer from First Premier Bank() with a preapproved limit of $700, and I actually considered it becuase of the limit, itself. I hear that the cc companies look at your current limits and base their decision off of your current limits, or somewhere close(is that right?).  I did not take the offer, but should I? I have recieved some excellent advice from my friends here(creditaddict) as to call credit solutions and my various other creditors and simply ask for the increases....which im still patiently waiting to do(i wanna get myself to a better place before i do). So did you guys have to work for those limits-or-did they come easy?

Thanks for y'alls time!!

AUBURN

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[enharu]

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@myjourney wrote:

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@enharu wrote:

Most people start with low limits. I started with a 700 WF unsecured card myself. I was opening a checking account and the banker suggested some "combo" package and I went along with it. Ended up with a savings, checkings, credit card and a free pony

I've seen a few people start with >10k CLs. 

Most of those people either have rich parents, or they just never bothered getting CCs until they were already well established in their careers and finances. 

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They gave you a pony now I know I got beat ...awwwh man Lol

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haha its one of those ridiculous soft toys they always give out.

They even used to had a chariot soft toy lol

[Express]

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@trying_to_B_good wrote:

Hello all!.....and WAR EAGLE!

My question is this.  Did everybody here start with low limit cards and build up to the larger limit(ie$1,000+) cards, or did you just start getting the higher limit cards from the start?  You can see my cards listed at the bottom of this post.  The highest limit on these cards are the victoria's secret($500) and Total Rewards Visa($500).  The other cards vary from $300-$400 limits.  I know that PIF each month is key to CLI's. Does salary come into play with the limits issued, upon opening accts?  I recently got an offer from First Premier Bank() with a preapproved limit of $700, and I actually considered it becuase of the limit, itself. I hear that the cc companies look at your current limits and base their decision off of your current limits, or somewhere close(is that right?).  I did not take the offer, but should I? I have recieved some excellent advice from my friends here(creditaddict) as to call credit solutions and my various other creditors and simply ask for the increases....which im still patiently waiting to do(i wanna get myself to a better place before i do). So did you guys have to work for those limits-or-did they come easy?

Thanks for y'alls time!!

AUBURN

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I think most of us did, I started with a Providian card with a CL of  500!  

[myjourney]

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@enharu wrote:

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@myjourney wrote:

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@enharu wrote:

Most people start with low limits. I started with a 700 WF unsecured card myself. I was opening a checking account and the banker suggested some "combo" package and I went along with it. Ended up with a savings, checkings, credit card and a free pony

I've seen a few people start with >10k CLs. 

Most of those people either have rich parents, or they just never bothered getting CCs until they were already well established in their careers and finances. 

---

They gave you a pony now I know I got beat ...awwwh man Lol

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haha its one of those ridiculous soft toys they always give out.

They even used to had a chariot soft toy lol

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LOL

I would have taken the pony too in that case

[enharu]

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@myjourney wrote:

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@enharu wrote:

haha its one of those ridiculous soft toys they always give out.

They even used to had a chariot soft toy lol

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LOL

I would have taken the pony too in that case

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I used to ask them for the soft toy whenever I walk into the branch. Sometimes they would give it to me, sometimes they wouldn't. 

If they gave it to me, I would give it to my dog, which will literally destroy the toy within 3hours........lol