My highest CL currently is Amex SPG at $27K. Before that, my highest was $10K. I had $10K on a Chase buy.com visa and a BofA US Air MC. Both of those started at $5K and grew to $10K on their own over several years.
In 2008 I went through a period of unemployment and fell behind on all my credit cards and my mortgage. My CCs were all closed by the creditors, but I managed to find work again before anything was charged off/went to collections/went into foreclosure. But having gone 150 days late on at least one account, and 60-120 days late on six other accounts, my scores obviously were not very good. Once I paid everything current, I got a capital one platinum CC with $39 AF. I believe the initial CL was $500 and it was in their credit steps program. At the time, my scores couldn't have been much above 600, if even that high.
Almost two years later, I applied for the Amex PRG and was approved. At the time, my EQ FICO was about 650. I did not know it at the time, but my EX FICO currently sits about 50 points higher than my EQ FICO, so I am sure that helped with the approval. I used the PRG fairly heavily for 6 months. My scores continued to improve because my lates were all aging past the two year mark. I then applied for the SPG card and was given an initial CL of $19.6K. At the time of application, my EQ and TU scores had cracked 700 if I remember correctly, and I estimate that my EX FICO was around 750. I still had significant lates on 7 accounts, but they were over two years old. By that time my Cap One card had grown to a $2500 CL, but that was the only CL for an open tradeline on my report. I also had the Amex PRG, and I had the closed accounts with the $10K CL. I put a fairly large amount of business expenses on my CCs, so in my case, I think the heavy usage with the Amex PRG played a significant role in the initial CL. I also think the fact that my EX report scores so much higher than EQ and TU helps, since that is what Amex pulls.
6 months later, I asked Amex to increase the CL to $25K and was approved. Just last month, Amex gave me an auto CLI to $27K.
Starting Score: ~500 (12/01/2008)
For me the jump was crazy. I had had discover since 1999. It grew through auto clis to 4200. Then this yr chase gave me a 5k limit on amazon and amex gave me a NPSL that ive used to a Max of 5200. Nfcu gave me the 22k limit in march. I think my perfect cc payment history and income helped. I had sent in bank statements and investment statements.that showed over 100k in liquid assets for my truck refi and they approved me for the card using that info. I think the higher limit is just because ive kept my house in good financial shape. We bought a house we could easily afford on just one income and. We only have 1/3 vehicles that still have a note. I'm curious to find out if chase and discover eventually raise my limits. My high balance on the.cash.rewards card has.been 7k. I'm sitting at 3k now and it will be at 0 at the end of this month.
FICO 9: 
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
@hotpoint wrote:
I have noticed many of you have very high CL, i.e.. 10k, 15k, 22k, etc. I am curious to learn more about your profile before you received such a CL, and you were trusted w/such a leap. What was your CL before you leaped into that zone listed above, your scores, AAOA, BK/or deleted, homeowner/renter, etc? Please share any information that would assist someone w/their journey. Purpose: many of us are learning and would like to learn from those that have made the leap -- my highest CL is 5k w/USAA, I am in the process of paying my CC down, lowering A.P.R. (w/success), and preparing for the CC that fit the best. I have no inquires for the last three years. I am hoping to be below 20% by October 2012. BTW, Congratulation, and thanks for sharing your knowledge . . . .
STILL waiting for a high leap here....
My question is -- do you really USE your $20,000 + limit every month?
@Anonymous wrote:
@hotpoint wrote:
I have noticed many of you have very high CL, i.e.. 10k, 15k, 22k, etc. I am curious to learn more about your profile before you received such a CL, and you were trusted w/such a leap. What was your CL before you leaped into that zone listed above, your scores, AAOA, BK/or deleted, homeowner/renter, etc? Please share any information that would assist someone w/their journey. Purpose: many of us are learning and would like to learn from those that have made the leap -- my highest CL is 5k w/USAA, I am in the process of paying my CC down, lowering A.P.R. (w/success), and preparing for the CC that fit the best. I have no inquires for the last three years. I am hoping to be below 20% by October 2012. BTW, Congratulation, and thanks for sharing your knowledge . . . .
STILL waiting for a high leap here....
My question is -- do you really USE your $20,000 + limit every month?
Sometimes. In December I typically push through 40-50k, but otherwise it averages around 5-6k per month.
@Anonymous wrote:
@hotpoint wrote:
I have noticed many of you have very high CL, i.e.. 10k, 15k, 22k, etc. I am curious to learn more about your profile before you received such a CL, and you were trusted w/such a leap. What was your CL before you leaped into that zone listed above, your scores, AAOA, BK/or deleted, homeowner/renter, etc? Please share any information that would assist someone w/their journey. Purpose: many of us are learning and would like to learn from those that have made the leap -- my highest CL is 5k w/USAA, I am in the process of paying my CC down, lowering A.P.R. (w/success), and preparing for the CC that fit the best. I have no inquires for the last three years. I am hoping to be below 20% by October 2012. BTW, Congratulation, and thanks for sharing your knowledge . . . .
STILL waiting for a high leap here....
My question is -- do you really USE your $20,000 + limit every month?
I use it every month by keeping my utilization down without having to worry as much about paying before statement closes.