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Posts: 2,115
Registered: ‎03-30-2012

Re: What's the limit for a toy card?

creditnocash wrote:

Jlu wrote:

It's a subjective question based solely on one's own income and financial obligations. 


For example, a $100 bill is worth more in the eyes of a homeless man than it is to Donald Trump. A $500 limit card held by a college student making $20k/year is going to be more useful than it is to a professional making $80k/year. This is along the same lines as the 'what makes a card prime' question that comes up every month here.

thats what i was trying to avoid prime vs sub.

this is solely for cl question. i know some people on here have cl on 20k+. 

a toy could be a macbook and that costs 2k for a standard one. 



@injustifiiable like stated macy's gave me my first non co signed card with 100 limit and now it sits at 3.5k  and they're cli are soft pull so i still see them as a plus in my book. 

Very true.


Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $5000 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $1950 | Target: $2200 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011

Re: What's the limit for a toy card?

[ Edited ]

injustifiiable wrote:

maiden_girl wrote:

I agree. Anything under $1k is usually considered a toy limit. If you have a long string of cards at $300, $500, $750, $800 it looks bad to other creditors. Most companies will try to match your highest limit card to compete for your business. The lowest credit line I've seen is $100! That's not even a credit line!

LOL...doesn't Macy's give out $100 limits to anyone with a pulse? Target isn't much $200 limits to those in the high 600's- 700's...


Haha basically! I started out with $100 at Macys--card is at $1k now. I don't think they periodically review accounts like they say...I had to call to inquire about it.


The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)

Regular Contributor
Posts: 286
Registered: ‎07-30-2011

Re: What's the limit for a toy card?

By the title I thought you were taking about a Toys R Us card lol I think anything under 1000 CL would be considered a "toy" limit. An "ideal" limit I believe is 5k and up Smiley Happy

Garden Mode... kind of... sort of (•‿•)
Established Contributor
Posts: 803
Registered: ‎05-16-2012

Re: What's the limit for a toy card?

What I consider toy or low limits has evolved over time .I remember when Amazon store card gave me $1000 and I thought that was the coolest thing. When Chase Freedom started me out at $3000, I remember coming on here and hyperventilating like I struck gold. When NFCU started me at $9000, I felt like I surpassed some magical plateau in my credit journey.  A few weeks ago, I applied for the Walmart Discover and they started me at $2000 and I had that  'what, that's all I get' and called and they upped to $5000. I imagine someone will those $20,000 + lines would consider some of my credit cards as toy limits!

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Established Contributor
Posts: 657
Registered: ‎06-27-2012

Re: What's the limit for a toy card?

all cap one cards except for like 2.


BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
New Contributor
Posts: 96
Registered: ‎07-31-2012

Re: What's the limit for a toy card?

I have to agree with JLU. YMMV on this topic but i am a full time college student working part time so making around 18k or less and I have various credit lines starting from my very from my very first credit card (orchard bank) $400 (never grew) Smiley Sad to Capital one $500, Sony card $500, BOA $1,000, BBRZMC $800, Chase Freedom $800, Chase Amazon Visa $800 (chase matched up the cards) Amex Zync $500, Amazon Store Card $1,200, Macy's Store Card $1,500, Bloomingdales $400, Kohls $400, and my new Discover IT $1,700. I am more than content with my present credit lines at the moment due to my income. I use my credit wisely to what I can afford to pay in full on a monthly basis. To you it may look like toy limits but its all in the income too and scores. I know some of these cards will grow with me probably after college when I start working my profession and have more of an income. Again, everyones MMV depending on their situation Smiley Wink
My Current Plastic: {Amazon Store Card} {Amazon Visa} {Amex Zync} {Amex Gold PRG} {Amex BCE} {Bloomingdales} {BOA 123 Cash Rewards} {Capital One Platinum Visa} {Chase Freedom Visa} {Discover IT} {Kohls} {Macy's} {Nordstrom} {SonyCard Visa} {Target RedCard}
Regular Contributor
Posts: 286
Registered: ‎07-30-2011

Re: What's the limit for a toy card?

@ ItchyAppFingers: First, awesome name. Second, congrats on the Discover IT Smiley Happy

Garden Mode... kind of... sort of (•‿•)
New Visitor
Posts: 2,339
Registered: ‎09-16-2011

Re: What's the limit for a toy card?

I think the lowest card open limit is $50, because the merchant agreement states that all offline (when the merchant is unable to reach the visa or MC network for approvals) purchases of $50 or less are automaticly approved if its more you will have to call in and get approval for the purchases, this was about 8 years ago so it may of gone up by now. 




Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak/Freeom 4.6k, FNBO DISC 20.1k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 12k Sally Mae5.5k Sams Club MC 10k, Paypal Extras MC 7.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 7k, Discover IT 11.5k and a nice stack of store cards.
Last APP/HP 4/22/2015
Frequent Contributor
Posts: 367
Registered: ‎06-02-2008

Re: What's the limit for a toy card?

Lowest card limits I've personally had is $250.  It's not really "useless" unless it's combined with an AF, then it's just shooting yourself in the foot to rebuild your credit.  I used it for small purchases until my score improved.  My highest limit ever is my CSP and it's probably due to the fact I have a relationship with Chase (car loan).  I've never seen anyone with a lower CL than $250.

AmEx PRG (NPSL) | AmEx Costco ($8.2K) | AmEx Delta Gold ($19.3K) | AmEx BCE ($5K) | Chase United Explorer ($10K) | Chase Sapphire Preferred ($7.5K) | Chase Freedom ($8.2K) | Discover it ($3K) | Capital One Quicksilver ($2.5K) | PayPal Extras ($2.5K) | Lowes ($3.3K) | Walmart ($4.3K) | Amazon ($2.5K) | Restoration Hardware ($8.8K) | Crate & Barrel ($8.3K)
Homeowner since 05/29/13
Established Contributor
Posts: 731
Registered: ‎02-15-2012

Re: What's the limit for a toy card?

I would say a card has a toy limit if it doesn't provide enough credit for the customer to comfortably charge and pay-in-full his monthly expenses with one payment.  If you charge between $300-$500 per month, then a $1000 limit isn't really a toy limit.  If you charge $3,000 to $5,000 per month, then that $1,000 absolutely is a toy limit.

FICOs (2/24/12): EX 752, EQ 740
Chase Sapphire Preferred, Freedom; American Express PR Gold, Blue Cash Everyday

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