03-02-2013 09:49 AM - edited 03-02-2013 09:50 AM
I would like to talk to forum members which personally have limits over 25k
Especially looking for people that opened that card after the recession, thanks! I'm curious about which issuer gave them that card and the story behind it, whether it is just solely your reported income or if its your long credit history or something else. I think these stories are interesting
I have one card which has a 24900 limit, because I did a 3x CLI from 8300
03-02-2013 10:08 AM
I've had my Amex plat balance reach 70k. Citi is 25k CL but is also a NPSL. I doubt they would go that far above the 25k though. I wonder how many have exceeded 25k with NPSL cards such as siggys and worlds and by how much?
03-02-2013 10:12 AM
My NFCU cashRewards is $25,000 CL. It was my 2nd credit card (first was Capital One Platinum, $1,500). My credit scores at the time were mid-high 600's. I have a fair chunk of change in a NFCU account, and make decent money though, so that may have helped.
03-02-2013 10:53 AM
30k AMEX Delta. 22.5 Nationwide Visa (not quite 25k)
AMEX went from 7.5k to 20k to 30k on requested CLI's. Nationwide was just generous from the beginning.
Got my first AMEX card in1993 so I've been a member for 20 years. However the Delta was opened in 2010.
FICO is currently 805. Down from 813. Income is decent.
03-02-2013 11:57 AM
I have two 25K cards - Ameriprise World MC and a JP Morgan Select Visa. Both were post financial meltdown, and both had the 25K limit when I applied. I haven't asked for a CLI on either because I really don't need it, although I'm confident I could get it. I have a Discover card at 24K, which I've had since 1986, and several others at 20K and 15K. My lowest limit card is Walmart Discover at 7.5K, which I only got for the TU FICO score. My income is around 200K, and my scores are in my signature.
03-02-2013 12:18 PM
03-02-2013 01:15 PM
03-02-2013 07:16 PM
My United Club card is 25k. It started out as 18k when approved, and was auto-CLIed after 3 months. I ran about 30k through it during that time period. My scores are in my signature.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† 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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.