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Need help to obtain a high limit Visa or Mastercard

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Razb0yn1k23
Member

Need help to obtain a high limit Visa or Mastercard

Looking to get a visa or mastercard wth high limit and low apr. Any tips on which card i should get? I currently have amex bcp at $24,500, 0 balance on it. Credit score is around 780. I do not travel a lot, so i dont need any of the air miles cards. Any help is appreciated.

Thanks
Message 1 of 29
28 REPLIES 28
Anonymous
Not applicable

Re: Need help to obtain a high limit Visa or Mastercard


@Razb0yn1k23 wrote:
Looking to get a visa or mastercard wth high limit and low apr. Any tips on which card i should get? I currently have amex bcp at $24,500, 0 balance on it. Credit score is around 780. I do not travel a lot, so i dont need any of the air miles cards. Any help is appreciated.

Thanks

Try Chase or Barclay's

Message 2 of 29
CreditMagic7
Mega Contributor

Re: Need help to obtain a high limit Visa or Mastercard

Try Capital One Venture

Message 3 of 29
Anonymous
Not applicable

Re: Need help to obtain a high limit Visa or Mastercard


@CreditMagic7 wrote:

Try Capital One Venture


Yuck, triple pull.

Message 4 of 29
Anonymous
Not applicable

Re: Need help to obtain a high limit Visa or Mastercard

Double yuck
Message 5 of 29
Razb0yn1k23
Member

Re: Need help to obtain a high limit Visa or Mastercard

Capital one is horrible. My limit with them is $750 and they wont even raise it. Only reason i havent closed the account is because its my oldest.(5 years).

What do you guys think about wells fargo cards? Do they give high limits?
Message 6 of 29
Anonymous
Not applicable

Re: Need help to obtain a high limit Visa or Mastercard


@Razb0yn1k23 wrote:
Capital one is horrible. My limit with them is $750 and they wont even raise it. Only reason i havent closed the account is because its my oldest.(5 years).

What do you guys think about wells fargo cards? Do they give high limits?

No they don't. (In most cases.)

Message 7 of 29
NRB525
Super Contributor

Re: Need help to obtain a high limit Visa or Mastercard

Try PenFed Credit Union. You can get their cards with 7.99% to 9.99%APR generally. The limit may not start high, but some on this forum have high CL.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 8 of 29
CreditMagic7
Mega Contributor

Re: Need help to obtain a high limit Visa or Mastercard


@Razb0yn1k23 wrote:
Capital one is horrible. My limit with them is $750 and they wont even raise it. Only reason i havent closed the account is because its my oldest.(5 years).

What do you guys think about wells fargo cards? Do they give high limits?

Another Yuck!

 

Message 9 of 29
chalupaman
Super Contributor

Re: Need help to obtain a high limit Visa or Mastercard


@CreditMagic7 wrote:

@Razb0yn1k23 wrote:
Capital one is horrible. My limit with them is $750 and they wont even raise it. Only reason i havent closed the account is because its my oldest.(5 years).

What do you guys think about wells fargo cards? Do they give high limits?

Another Yuck!

 


Biggest waste of time when it comes to the prime lenders for sure IMO.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 10 of 29
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