Thanks for the knowledge . . .

So far, I am hearing that Citi, and Discovery are some of the best cards.  I understand the value of maintaining a low utilization, paying your balance in full, and creating a relationship with the same source. Of course over time your CL will increase. 

On the other hand, If a person has a CC with a 6500.00 CL and a Bank/CU offer them a CC w/a CL of 22k . . . this is a huge leap.

How is this happening?

HotPoint

EQ -- 685 ... 7/2/2012

TU -- 687 ... 6/15/2012

EX -- 694 ... 6/29/2012 Plus -- 780 vantage Score 6/15/2012

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