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

Valued Contributor

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

Maybe we should rephrase the question, it seems to stil be gardering confusions.

 

Which credit cards require a minimun starting credit line of $5k+ to be approved. (If you are not eligible for $5k + for this card you will be declined)

 

Ones that I can think of and may be listed already, Chase Shapphire Preffered, Chase Ink Bold, Chase Ink Plus,


   3/12 $3500     6/12 $1200      10/12 $1500   12/12 $3400    6/13 $12000      7/13 $5000      7/13 $2500       8/13 $2000    8/13 $6000

  | CSP (AU) $12,000 | Amex PRG (AU) | United $6,000 | OCCU $12,000 | Ink Bold | GM $3,200 | DCU $7500 | Luthansa $9000 | SPG $6,000 | Citi AA Executive $11,000 | Ink Plus $5,000                                                                         | EX 2/7 697 | EQ 10/27 721 | TU 12/15 719 |

Regular Contributor

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

I think the US Bank Cash+ meets your criteria, but if they decline you, they'll issue a lesser card. ...
Costco TrueEarningsSallie Mae MasterCardDiscover itUS Bank Cash+Chase SlateBlue Cash EverydayFidelity VisaTU-803/EQ-808/EX-800
Moderator Emeritus

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


sr383 wrote:
I think the US Bank Cash+ meets your criteria, but if they decline you, they'll issue a lesser card. ...

Then that doesn't really meet the criteria. The OP wants to know which cards would decline you flat out for anything less than a $5000 CL rather than issue a lesser card.


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
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Valued Contributor

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


tinuviel wrote:

sr383 wrote:
I think the US Bank Cash+ meets your criteria, but if they decline you, they'll issue a lesser card. ...

Then that doesn't really meet the criteria. The OP wants to know which cards would decline you flat out for anything less than a $5000 CL rather than issue a lesser card.


The OP really must read the T&C of any card before submitting an app. US Bank is not the only card that when you app for one card (Cash + Siggy), you may be approved for a Platinum card with a lower limit instead (BOA, Citi, Barclays, Cap One, Chase) all have similar language in some of there apps. Also, just because something says Visa Siggy or WMC does not mean they WILL give you a 5k limit if approved, just ask the person who posted recently about the Cap One GM WMC (approved with $600 limit). Stories of this abound.

 

No approval is set in stone unless the T&C actually state limits from 5k and up, usually they don't they say limits up to XXXX amount. YMMV.

 

For example, in the SW Premier Visa Siggy app, the following language appears:

 

Before we approve you for a credit card, we will review your credit report and the information you provide with your response to confirm that you meet the criteria for this offer. Based on this review, you may receive a Classic card with different benefits, or you may not receive a card.


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
Senior Contributor

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

From my own experience I would be careful with Chase Freedom and Discover IT if looking for a min 5K limit - usually Siggy and WMC are from 5K but of course not  guaranteed

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....Last HP 01 NOV 2016...............
Valued Contributor

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


wHiTeSoL wrote:

Maybe we should rephrase the question, it seems to stil be gardering confusions.

 

Which credit cards require a minimun starting credit line of $5k+ to be approved. (If you are not eligible for $5k + for this card you will be declined)

 

Ones that I can think of and may be listed already, Chase Shapphire Preffered, Chase Ink Bold, Chase Ink Plus,



JP Morgan Select Signature Visa.  $5K starting CL.  That is what they told me when I got approved. 

 

EDIT:  Also, when I got my Merrill + card, they specifically asked me if a starting CL of $10K was enough.  I don't know for a fact, however, if they do this for every applicant.

EX = 849 EQ = 850 TU = 850 as of 07/2017
Retired and Retiring Cards!
Valued Contributor

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

From what I understand, Chase MileagePlus Club is $8K min.  

FICO Scores Updated 07/15 EQ08 748 EX08 748 TU08 818