https://ficoforums.myfico.com/t5/Credit-Cards/Balance-Transfer-Citi-credit-limits/m-p/4878576#M1423940 Thanks. What info do you need to know? My income is 55k. I have a BofA, Discover, and Chase card with a combined total credit of 44k. Average account age is 7 years 8 months. Do you know if the Simplicity card is known for low starting limits? Do you have a better chance of getting a higher starting limit with a card that you've been pre-approved for versus one you haven't been pre-approved for? Thu, 02 Mar 2017 20:50:44 GMT Anonymous 2017-03-02T20:50:44Z https://ficoforums.myfico.com/t5/Credit-Cards/Balance-Transfer-Citi-credit-limits/m-p/4878310#M1423855 I want to transfer about 8,000 in credit card debt and I'm trying to decide on a card. I was considering the Citi Simplicity, Diamond, or Double Cashback cards. Does anyone know what their initial credit limits are like? My transunion fico score is 728. I got a pre-approval offer in the mail for the Simplicity card. Would that increase my chances of getting a higher credit limit? I don't want to apply for a card and end up with a really low limit. That would defeat my purpose, which is to do a balance transfer. Thu, 02 Mar 2017 17:58:41 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Balance-Transfer-Citi-credit-limits/m-p/4878310#M1423855 Anonymous 2017-03-02T17:58:41Z https://ficoforums.myfico.com/t5/Credit-Cards/Balance-Transfer-Citi-credit-limits/m-p/4878317#M1423856 <P>Citi gernally pulls EQ, starting limits depend on whole profile, need more info.&nbsp; But their DC card is known for low starting limits.&nbsp; A good bet is to check out a credit union like Penfed or Navyfed.&nbsp; Their potential for much higher limits is greater so when you transfer that 8k you'll be at lower utilization.&nbsp; Where as citi may or may not even give 8k.</P> Thu, 02 Mar 2017 18:06:52 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Balance-Transfer-Citi-credit-limits/m-p/4878317#M1423856 Anonymous 2017-03-02T18:06:52Z https://ficoforums.myfico.com/t5/Credit-Cards/Balance-Transfer-Citi-credit-limits/m-p/4878433#M1423882 NFCU isn't currently on a BT promo right now so I'd avoid that... Thu, 02 Mar 2017 19:32:57 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Balance-Transfer-Citi-credit-limits/m-p/4878433#M1423882 Anonymous 2017-03-02T19:32:57Z https://ficoforums.myfico.com/t5/Credit-Cards/Balance-Transfer-Citi-credit-limits/m-p/4878448#M1423888 <P>I would try Penfed and if the limit is too low fill out the survey stating you are unhappy with the limit. I did that an my limit was raised to $24,500.&nbsp;</P> Thu, 02 Mar 2017 19:46:12 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Balance-Transfer-Citi-credit-limits/m-p/4878448#M1423888 Anonymous 2017-03-02T19:46:12Z https://ficoforums.myfico.com/t5/Credit-Cards/Balance-Transfer-Citi-credit-limits/m-p/4878576#M1423940 Thanks. What info do you need to know? My income is 55k. I have a BofA, Discover, and Chase card with a combined total credit of 44k. Average account age is 7 years 8 months. Do you know if the Simplicity card is known for low starting limits? Do you have a better chance of getting a higher starting limit with a card that you've been pre-approved for versus one you haven't been pre-approved for? Thu, 02 Mar 2017 20:50:44 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Balance-Transfer-Citi-credit-limits/m-p/4878576#M1423940 Anonymous 2017-03-02T20:50:44Z https://ficoforums.myfico.com/t5/Credit-Cards/Balance-Transfer-Citi-credit-limits/m-p/4878578#M1423941 Which penfed card do you recommend? Thu, 02 Mar 2017 20:53:06 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Balance-Transfer-Citi-credit-limits/m-p/4878578#M1423941 Anonymous 2017-03-02T20:53:06Z