Reply
Regular Contributor
Posts: 217
Registered: ‎03-24-2009
0

Who gives the highest CLs?

I am going to be applying for a new CC or 2. Does anyone know who gives the highest CLs? I know companies post for example lowest interest rates and low annual fees or low late charges etc... is there a way to tell who might give the larger CL?

Valued Contributor
Posts: 1,285
Registered: ‎05-13-2010
0

Re: Who gives the highest CLs?

Certainly not Bank of America. I'd recommend Citi, they're pretty generous with limits and a lot of members here have their highest limit with Citi.
BofA Cash Rewards VS - $10k/9.99% | Citi Dividend World MC - $12.1k/11.99% | Amex BCE - $20k/10.24% | Chase Freedom VS- $10k/15.24% | Barclay Ring $5k/8.0% | Discover it - $19k/11.99%
New Contributor
Posts: 51
Registered: ‎05-14-2010
0

Re: Who gives the highest CLs?

definitely citi. gave me a 2500 limit as a student with NO history on the platinum select. now at 9700 a year and a half later.


Starting Score: 730
Current Score: 724
Goal Score: 760


Take the FICO Fitness Challenge
Established Contributor
Posts: 586
Registered: ‎03-12-2008
0

Re: Who gives the highest CLs?

 


smc733 wrote:
Certainly not Bank of America. I'd recommend Citi, they're pretty generous with limits and a lot of members here have their highest limit with Citi.

Why not Bank of America?  It's a crap shot like anything else.  I currently have 25k worth of CL with them.  Yeah I've been with a couple of years but they were the first to give me credit after I defaulted on a lot of cards when I was younger.  They are currently my highest CL with PenFed coming in second at $17,500.

 

As of 04/23/2011 - 731 for EQ FICO
As of 03/02/2012 - 779 for TU FICO
As of 12/2010 - 720 - 729 For EX (Chase FICO Score Provided by EX)
Moderator Emeritus
Posts: 16,374
Registered: ‎03-12-2007
0

Re: Who gives the highest CLs?

Some credit unions are giving high credit limits.

Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Valued Contributor
Posts: 1,285
Registered: ‎05-13-2010
0

Re: Who gives the highest CLs?

@nicemann

Well that's definitely a case of YMMV, but from what I've gathered from a LOT of the chatter here on the FICO forums, BofA is often times the LOWEST CL people have, if not, I've still rarely heard of it being someone's highest CL.  BofA has lost a lot of money on credit cards in previous years, so they've had to tighten up considerably.

BofA Cash Rewards VS - $10k/9.99% | Citi Dividend World MC - $12.1k/11.99% | Amex BCE - $20k/10.24% | Chase Freedom VS- $10k/15.24% | Barclay Ring $5k/8.0% | Discover it - $19k/11.99%
Moderator Emeritus
Posts: 16,374
Registered: ‎03-12-2007
0

Re: Who gives the highest CLs?

 


smc733 wrote:

@nicemann

Well that's definitely a case of YMMV, but from what I've gathered from a LOT of the chatter here on the FICO forums, BofA is often times the LOWEST CL people have, if not, I've still rarely heard of it being someone's highest CL.  BofA has lost a lot of money on credit cards in previous years, so they've had to tighten up considerably.


In all honesty, it really varies from person to person. My highest CL is with FIA (a desk service for BoA). My CITI Dividends Plat is my lowest CL among my major bank cards. However, CITI is the only one giving me auto CLIs on a regular basis. IMO, things are so crazy in the credit markets today its very hard to know what is really going on.

 

Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Senior Contributor
Posts: 4,214
Registered: ‎09-12-2008
0

Re: Who gives the highest CLs?

My highest initial CL's were all with CU's or an FSB.

 

1.  NFCU -  $25k Visa, $15k LOC

2.  USAA -  $20k MC,  $20k Amex

3.  PSECU - $20k Visa/LOC combo

txjohn

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Super Contributor
Posts: 8,183
Registered: ‎03-25-2007
0

Re: Who gives the highest CLs?

Our highest CLs are with Barclays  :smileyvery-happy:

 

The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Frequent Contributor
Posts: 368
Registered: ‎02-07-2008
0

Re: Who gives the highest CLs?

My highest CL is Discover at $10,000. They started me at $8,000 in October 2008 when my highest was Juni at $3,000.

 

I did the Discover phone request October 2009 and got bumped to the $10,000. Tried the phone request in May this year and got the CSR who said any increase would require Credit Analyst and hard pull. So, looks like we're going to be at $10,000 for awhile.

 

 

"Knowledge is of no value unless you put it into practice."- Anton Chekhov
4/11 TU 743 4/11 EQ 763
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.