cancel
Showing results for 
Search instead for 
Did you mean: 

Need a List of CC's with a Minimum $5k Starting Limit?

Valued Contributor

Need a List of CC's with a Minimum $5k Starting Limit?

Just trying to find out what some of them are so if a did app for something else, I wouldn't be given a limit lower than $5k if approved.

Message 1 of 27
26 REPLIES
Senior Contributor

Re: Need a List of CC's with a Minimum $5k Starting Limit?

I can't say for any others but I believe Chase is - CSP, Hyatt, & Ritz Carlton. 

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
Message 2 of 27
Established Contributor

Re: Need a List of CC's with a Minimum $5k Starting Limit?

Your credit line is determined by your credit profile.

*Note to self* Remember why and for how long you had to rebuild in the first place! One Day at a Time, One Day at a Time!
Message 3 of 27
Frequent Contributor

Re: Need a List of CC's with a Minimum $5k Starting Limit?

NFCU Visa Siggy Flagship
  (Hover over pics for details) 
FICO:  TU 731 (05/14/14)   EX 749 (04/24/14)   EQ 684 (02/05/14)   Goal 700
FAKO:  TU 761 (05/20/14)   EX 761 (05/20/14)   EQ 743 (05/20/14)
Message 4 of 27
Valued Contributor

Re: Need a List of CC's with a Minimum $5k Starting Limit?

@Changingmantra: I do know that, but there are certain cards. that have a minimum starting CL and those are the ones I'm asking about b/c at this point IF I'm going to app for anything else, I'd rather have a decline rather than receive a low(er) limit. And it also wouldn't be worth the extra HP IMO to receive anything lower than $5k. That's why I'm compiling a list.

Message 5 of 27
Valued Contributor

Re: Need a List of CC's with a Minimum $5k Starting Limit?

Thanks watch44. Unf. I'm not eligible for NFCU membership EVEN THOUGH I was in the AF for a short time (honorably discharged-medical reasons).

Message 6 of 27
Highlighted
Valued Contributor

Re: Need a List of CC's with a Minimum $5k Starting Limit?

Chase Marriott and Citi AA Visa/MC seem to approve for higher than 5k most of the time as well.


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (3), Chase (5), US Bank Cash+, Huntington Voice, UMB Visa, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 Real Life Rewards MC; FNBO Amex; Comenity Visa/MC (4), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (09/2017): EQ My Fico: 801; TU MyFico: 799; EX (My Fico): 797
Message 7 of 27
Mega Contributor

Re: Need a List of CC's with a Minimum $5k Starting Limit?

Almost all cards will approve you with a $5000 if your credit file warrants it. Most will give you a credit card for a smaller amount if your credit file doesn't warrant it. Some such as the ones that require your credit be good enough to get a $5000 minimum credit card and its not will decline you. So who gives out $5000 limits?

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $13.5k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $4.85k / Citi DC (WMC) $7.1k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 8 of 27
Super Contributor

Re: Need a List of CC's with a Minimum $5k Starting Limit?

Penfed Platinum Visa Signature specifies that there is a $5k minimum.

Message 9 of 27
Valued Contributor

Re: Need a List of CC's with a Minimum $5k Starting Limit?

@coldnmn: Again, just trying to put a list together. I know all about your profile determining your limit. But IF and only if I did want to app for something else later down the road, the info would be useful to know. If I already have one MUCH HIGHER CL and have a decent profile, why would I want to app for something that could give me a $1k  CL? (unless the sign-up or rewards were super-spectacualr) A waste of a HP IMO.

Message 10 of 27