What credit cards issue the highest limits?

[Anonymous]

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@Anonymous wrote:
i agree about the "big purchase" scenario and the utilization pad, but how often do those purchases really come up? he has current $10k lines now. if it costs that or more then you should seek other means of paying if possible. granted i know your appliances in your house my simultaneously go out so you're out $3-5k but... idk. i am more into "in house financing" at 0% than putting it on a credit card. to me, a credit card isn't a mean of finance, it's a means of rewards for your purchases. it's not an "emergency" card per se. most emergencies have other means of payment opportunities

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Not everyone has other means of payment opportunities when it comes to emergencies...

[Anonymous]

I agree.  If you can't pay for it, don't get it.  I do put my large purchases on my cc just to get the rewards & always PIF.  I also understand that some cannot do this.  If your a/c breaks down here in FL, you would do anything to have some ice cold air.  

[SecretAzure]

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@Anonymous wrote:
You aren't rich?

Do I know you?

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No, just a fan of your silly but honest posts. You've helped me lots. 

Sandi, I also live in Florida and thank heavens that we have 2 units so at least half of our house will be cold when one breaks. (Have never had both break at once).

[Anonymous]

Silly......Yes. We'll go with that.

I don't have a problem charging more than I can immediately afford to pay off. But I am also in a very unique position where the majority of my income is guaranteed even in the case of a family emergency or medical leave.

Perks of working for a Tribal Government.

[NRB525]

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@MarineVietVet wrote:

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@alexhawkeye wrote:

I have good credit, in the 700's.  Are there any cards that typically issue high initial limits?  What's the highest I should expect? I have a couple 10K cards and haven't really tried any new applications.    Are there any that have a reputation with providing high limits?

Thanks!

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Welcome to the forums.

You've posted this in three different places. Please refrain from cross posting.

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Interesting. OP has three posts. Apparently three separate threads. We are on page three of this thread as everyone talks to themselves... and no OP...

Just my recurring MyFICO observation: It doesn't take much for this crowd to get going

Cheers!

[Anonymous]

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@NRB525 wrote:

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@MarineVietVet wrote:

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@alexhawkeye wrote:

I have good credit, in the 700's.  Are there any cards that typically issue high initial limits?  What's the highest I should expect? I have a couple 10K cards and haven't really tried any new applications.    Are there any that have a reputation with providing high limits?

Thanks!

---

Welcome to the forums.

You've posted this in three different places. Please refrain from cross posting.

---

Interesting. OP has three posts. Apparently three separate threads. We are on page three of this thread as everyone talks to themselves... and no OP...

Just my recurring MyFICO observation: It doesn't take much for this crowd to get going

Cheers!

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Hi.

[Anonymous]

Just wanted to chime in...I'm not against carrying a balance if I need to. That's what it's there for. Sometimes there are emergencies. If it comes down to feeding my family or starving I'm gonna use my credit card and buy the groceries. If I'm in FL and its 100 degrees and my AC breaks damn sure skippy I will put a new one on a credit card.

However, when you start to buy stuff you don't need and start carrying balances for things you can't even remember buying..that's when it gets out of hand.

[MarineVietVet]

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@NRB525 wrote:

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@MarineVietVet wrote:

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@alexhawkeye wrote:

I have good credit, in the 700's.  Are there any cards that typically issue high initial limits?  What's the highest I should expect? I have a couple 10K cards and haven't really tried any new applications.    Are there any that have a reputation with providing high limits?

Thanks!

---

Welcome to the forums.

You've posted this in three different places. Please refrain from cross posting.

---

Interesting. OP has three posts. Apparently three separate threads. We are on page three of this thread as everyone talks to themselves... and no OP...

Just my recurring MyFICO observation: It doesn't take much for this crowd to get going

Cheers!

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I can't argue with you about that!!

[mrsno]

It seems that some providers love you and some don't.

Discover and Chase have been very generous with me with $18.5K and $25K respectivley, but I've heard, particularly Discover, being very stingy with other folks.

It seems that Amex is pretty generous. I just got a BCE almost two motnhs ago with a SL of $10K and am looking forward to doing my 3x CLI if I get approved. I have a good long-term relationship with Amex, so I'm optimiistic.  I've had an Amex charge card (green/PRG) for years

[WLRK11]

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@degs138 wrote:

I've noticed Navy credit union issues some high starting limits.  As well as Amex if you have a clean credit file.  Citi is stingy as well as BOA.  If you already have some 10k limit cards that is more than likely the starting limit.  Though you can recon for a higher limit on your card once you're approved.  Capital one, Barclay and Chase I've had experiance with and they are, in my opinion, pretty easy to recon with.  Then again, I didn't have any baddie's on my credit file.

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BOA has treated me well. They gave me my highest limit at $10,000! I think my next highest card at the time was $5,000 from Chase. Your results may varry. My AAoA is around 2 years and I'm relatively new to credit (due to my age - no AA backdating for me!). 

Are you looking for a high starting limit or a high limit within a reasonable period of time? For the latter, I'd recommend AMEX. Check out their 3X CLI policy (search this fourm).