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How did you get out of toy limits and get big boy limits?

Frequent Contributor

Re: How did you get out of toy limits and get big boy limits?

USAA started me out at $3k, then bumped to 11k and now 14k. AmEx BCP saw that and started me at $19.3k, now 21.8k. Discover has been more conservative, $2k->2.5k->4k->5.5k so far.


Starting Score: 690
Current Score: EQ 780 EX 814 TU 783
Goal Score: 800

Take the FICO Fitness Challenge
Message 11 of 30
Valued Contributor

Re: How did you get out of toy limits and get big boy limits?

Had a CapOne non-rewards no AF  $2k limit card, AMEX trippled it when I got the AMEX Blue 6k CL, Chase Freedom  3k CL,  Ap'd and get Citi Home Depot card and CLI'd to 4k CL,  Got a pre-approved Omaha First National Bank Discover card 6k CL  (matched my AMEX blue), Got a CLI on my GE Amazon  store card to 2.5k,  and CLI'd my GE Walmart Store Card to 1700.

 

Waiting till the end of the year for a few baddies to fall off and some INQ's hopefully get a score boost back to the 720's again and then request CLI on my Amex Blue and Chase Freedom, Average CL is now $1918.00

 

The secret of High CLs is Time, 700's FICO's and good income. And requesting CLI's on lower cards, it doesn't hurt to focus on cards that have a good CLI history, GE's backed cards are my favorite. 

 

 

Cards: Chase Southwest 20k & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 10k, Paypal Extras MC 7.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k
Message 12 of 30
Valued Contributor

Re: How did you get out of toy limits and get big boy limits?

I believe I got out of toy limits by opening 2 secured credit cards, letting baddies drop and keeping my applying limited.  It did take a while though.  I'm talking years. 

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


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Message 13 of 30
Senior Contributor

Re: How did you get out of toy limits and get big boy limits?

GE backed cards have helped me get 'big boy' limits:
Wmt Disc $5,000
BR Visa $7,000
Paypal Plat MC $7,000
Lowe's $12,000
JCP $4,900
Amazon $1,900
Chevron $1,500

As you can see, GE limits will grow with ya ;-)
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 14 of 30
Established Contributor

Re: How did you get out of toy limits and get big boy limits?

I closed many of my cards that were under $500. I've been applied at a credit union they gave me $5000, after that I was able to get 14,000 from navy federal credit.
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!
Message 15 of 30
Frequent Contributor

Re: How did you get out of toy limits and get big boy limits?

Being patient, dont go apping for cards. AmEx may 3x CLI you, but to think you will have 15k in one year is very unrealistic unless you have other large limit cards.

Message 16 of 30
Established Contributor

Re: How did you get out of toy limits and get big boy limits?

I had a Cap1 at $750 and then got a NFCU at 1.5k. Before the NFCU even started reporting I got some advice here on the forum. Apply for the Amex Zync and if approved immedietly apply for one of the co-branded cards. Got the Zync and a 2k Delta Gold off the same HP (EX by the way). Not quite up there with the big boys but in a couple of months when both cards are reporting I can start asking for CLIs and make them big boy limits! And it was a two-fer!

What's in my wallet: Cap1 Venture NFCU Sig Visa Delta Gold Amex BCE Citi Simplicity IHG World MC Amazon Visa CSP
Starting Score: 5/2010 550-ish
Current Score: 6/20/2013 TU 800 6/20/2013 EQ 770 6/20/2013 EX 775
Goal Score: 800 accross the board
Message 17 of 30
Established Contributor

Re: How did you get out of toy limits and get big boy limits?


Smug wrote:
I closed many of my cards that were under $500. I've been applied at a credit union they gave me $5000, after that I was able to get 14,000 from navy federal credit.

SMUG, did you get that $5000 cl through a local credit union or one of the more popular CU known here on MYFico? Which CR did they pull, if you don't mind my asking?



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink
Message 18 of 30
Established Contributor

Re: How did you get out of toy limits and get big boy limits?


youngandcreditwrthy wrote:
GE backed cards have helped me get 'big boy' limits:
Wmt Disc $5,000
BR Visa $7,000
Paypal Plat MC $7,000
Lowe's $12,000
JCP $4,900
Amazon $1,900
Chevron $1,500

As you can see, GE limits will grow with ya ;-)

do high limit store cards help in getting a high limit revolvers (visa/mc)?


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 19 of 30
Senior Contributor

Re: How did you get out of toy limits and get big boy limits?

I really think they do! When I got my Travelocity Amex, the Credit Analyst mentioned my highest limit card at the time, a Lowe's card...
Then when I got my Chase Freedom on recon, the Credit Analyst essentially mentioned the same thing...
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 20 of 30