topic Re: SchoolsFirst is pretty solid… in Credit Card Approvals

SchoolsFirst is pretty solid…

sto0pyd — Wed, 20 Aug 2025 06:22:25 GMT

I saw a recent post about SchoolsFirst and figured I’d play along... I’ve had this card open for about 7 years with very little activity. My last CLI was back in 2022, which bumped the limit from $10k to $42k. I honestly thought that was the max, and based on what I’ve read, I assumed their cards capped out at $35k. After seeing that post, I decided to test the waters. I spoke with a representative and was told the limit could actually go as high as $50k, so I went for it. It was a hard pull on Experian, and my credit score was over 800. I barely use the card... but it’s kinda cool having a $50k limit from a credit union. The reward structure remains mediocre (1.5 pts for $1).

Re: SchoolsFirst is pretty solid…

coreyb80 — Wed, 20 Aug 2025 15:31:27 GMT

Congrats on the increase!

Re: SchoolsFirst is pretty solid…

LivingTheAmericanDream — Wed, 20 Aug 2025 16:38:40 GMT

Solid CL - congrats!

Re: SchoolsFirst is pretty solid…

RootDet — Thu, 21 Aug 2025 01:08:57 GMT

I just got off the phone with them and was told the cap is $35k on credit cards. So someone seems not informed over there?

Re: SchoolsFirst is pretty solid…

CreditMagic7 — Thu, 21 Aug 2025 01:46:40 GMT

Congrats on your increase!

Re: SchoolsFirst is pretty solid…

cashorcharge — Thu, 21 Aug 2025 17:51:45 GMT

Nicely done!

Congratulations on your Approval!!👏🏼🍾🥂

Re: SchoolsFirst is pretty solid…

ocheosa — Sat, 23 Aug 2025 14:08:15 GMT

@sto0pyd wrote:
I saw a recent post about SchoolsFirst and figured I’d play along... I’ve had this card open for about 7 years with very little activity. My last CLI was back in 2022, which bumped the limit from $10k to $42k. I honestly thought that was the max, and based on what I’ve read, I assumed their cards capped out at $35k. After seeing that post, I decided to test the waters. I spoke with a representative and was told the limit could actually go as high as $50k, so I went for it. It was a hard pull on Experian, and my credit score was over 800. I barely use the card... but it’s kinda cool having a $50k limit from a credit union. The reward structure remains mediocre (1.5 pts for $1).

@sto0pyd , Congratulations!!

Thank you for sharing your DP's, it's what makes this forum essential! Of course everyone will not qualify for elevated lines but knowing the ceiling is valuable.

Re: SchoolsFirst is pretty solid…

firefox100 — Sat, 23 Aug 2025 18:25:22 GMT

Congratulations way to go nice credit limit.

Re: SchoolsFirst is pretty solid…

northway — Sun, 24 Aug 2025 17:35:12 GMT

Congrats! I've been at $50k with them for a few years now.

Re: SchoolsFirst is pretty solid…

fm92555 — Wed, 27 Aug 2025 06:46:32 GMT

@RootDet wrote:
I just got off the phone with them and was told the cap is $35k on credit cards. So someone seems not informed over there?

What I beleive is happening is that some people that had the card before they reduced the max limit to 35k may have a previous amount in their profile that lets them increase to 50k. Others were already at 50k and they let us stay there.