@AverageJoesCredit wrote:
Any question is valid , whether day one or 365 in my humble opinion.
I would generally think your profile will more or less determine what you start with but there are many exceptions and depending on the lender, there is some leeway in that you are able to recon and use an additional hp to raise your limit, or not. For me , besides Navy, one of the best examples of calling in after getting a low limit is Synchrony, where one can and often has gone from a $300 approval to a plus 10 k limit in a matter of minutes.
+1 What Joe said. All questions are worth asking if the asker needs the answer. We are here to help one another through the credit journey.