topic Re: What is largest CL you have? / Which Cards provide large CL? in Credit Cards

What is largest CL you have? / Which Cards provide large CL?

Red1Blue — Sat, 22 Mar 2008 10:16:13 GMT

What is the card you have with large CL and how much? Which cards provide large CL?

Re: What is largest CL you have? / Which Cards provide large CL?

Anonymous — Sat, 22 Mar 2008 10:49:32 GMT

My largest is a BOA that started out at as a 1st USA and then was an MBNA: $13,200.00 Second Largest is a Commerce Bank: $9,500.00 3rd Largest is Citi Platinum Amex that used to be Verizon Visa: $9,000.00

Re: What is largest CL you have? / Which Cards provide large CL?

Anonymous — Sat, 22 Mar 2008 10:56:17 GMT

My largest is BofA VISA, $23,400. That one started as $1K, but they have been very generous with CLIs over 5 years. I also just got opening CLs from BofA AmEx $8000 and Discover Miles $9600.

Re: What is largest CL you have? / Which Cards provide large CL?

Anonymous — Sat, 22 Mar 2008 12:06:21 GMT

Largest CL is Amex Blue - 25K, next is Amex Clear - 20K and BoA 20K.

All of these CLs have increased automatically over the years. I have not had to call and request a CLI, they just appearred online.

Discover is stingy - 10K. They also auto increase every 6 months or so.

Re: What is largest CL you have? / Which Cards provide large CL?

haulingthescoreup — Tue, 25 Mar 2008 00:02:02 GMT

My largest is USAA MC, now at $32K. It was their AmEx at $30K. I was up late with asthma and full of inhalers (which make you revved and jittery), and I wanted a CLI from the $3500 that I had. I hit the luv button and *blink* $30K. So I guess that instead of an auto-CLI, I had an albuterol-CLI, har har.

I just swapped the CL from the AmEx to the MC, because the MC is taken more places in the home remodeling area.

edit to add: and now #2 is my BofA card, just raised from $10K to $15K, after being inspired by one of ducky's posts. Woo-hoo!

Message Edited by haulingthescoreup on 03-24-2008 05:02 PM

Re: What is largest CL you have? / Which Cards provide large CL?

Anonymous — Sat, 22 Mar 2008 13:44:06 GMT

Bank of America Visa--$47,000

Chase VIsa--$33,300

Chase Visa--$29,300

Re: What is largest CL you have? / Which Cards provide large CL?

atlastontheroad — Sat, 22 Mar 2008 13:45:53 GMT

OMG - I have a serious case of CLI envy.

Someday, someday.....

atlast

Re: What is largest CL you have? / Which Cards provide large CL?

rubaty — Sat, 22 Mar 2008 15:10:03 GMT

USAA AMEX: $20K

USAA MC: $20K

Service Fed CU: $10K

FNB: $9.8K

All opened in Dec 07.

Re: What is largest CL you have? / Which Cards provide large CL?

haulingthescoreup — Sat, 22 Mar 2008 15:18:22 GMT

Hey, rubaty, you didn't get spanked nearly as hard as I did for your app frenzy! How long after the app'ing did you pull your 3/1 scores? In other words, had everything already reported for a couple of months? I'm really hoping that mine start climbing back up in another month.

(Sorry for the TJ, Concorduser!)

Re: What is largest CL you have? / Which Cards provide large CL?

Red1Blue — Sat, 22 Mar 2008 15:29:36 GMT

One more question. To reach these CL's did you do PIF or did you carry balances? I dont like to carry balance and I always do PIF. Is it ok or should I carry balances?

Re: What is largest CL you have? / Which Cards provide large CL?

rubaty — Sat, 22 Mar 2008 15:29:38 GMT

haulingthescoreup wrote:
Hey, rubaty, you didn't get spanked nearly as hard as I did for your app frenzy! How long after the app'ing did you pull your 3/1 scores? In other words, had everything already reported for a couple of months? I'm really hoping that mine start climbing back up in another month.

(Sorry for the TJ, Concorduser!)

I was so worried that I was pulling my scores every week! That was the perfect use of all of the new cards. Most of the cards didnt post until Jan 08 but none of my scores dropped below 720. I was really suprised to see the drop you had! Right now, I am still sitting at BAD for all of the new cred and it is also a red flag on all 3 reports. Because I have an APO address, everybody is reporting to EX & EQ but not everybody it reporting to TU. Strange...

Re: What is largest CL you have? / Which Cards provide large CL?

rubaty — Sat, 22 Mar 2008 15:30:44 GMT

concorduser wrote:
One more question. To reach these CL's did you do PIF or did you carry balances? I dont like to carry balance and I always do PIF. Is it ok or should I carry balances?

The only balances I carry are BT's! All other purchases are PIF or debit card.

Re: What is largest CL you have? / Which Cards provide large CL?

haulingthescoreup — Sat, 22 Mar 2008 15:40:53 GMT

@rubaty wrote:
@Red1Blue wrote:
One more question. To reach these CL's did you do PIF or did you carry balances? I dont like to carry balance and I always do PIF. Is it ok or should I carry balances?
The only balances I carry are BT's! All other purchases are PIF or debit card.

Same here. From what I've read, carrying balances help in getting CLI's from the rebuilder cards, but it's not necessary on "good" cards. Also, if you want a CLI on a particular card, you need to use it a lot for several months at least. Otherwise, it's just waiting and letting time do its thing.

Re: What is largest CL you have? / Which Cards provide large CL?

Anonymous — Sat, 22 Mar 2008 16:03:28 GMT

strangely enough, my highest CL card is my Discover. i had no idea that Discover could be a tough to get card, but i wasn't too worried about getting denied because i was pre-approved. when it came in the mail, i glanced at the CL and was a little disappointed to see a '1'... thinking the limit was $1,000. looked again and saw it was $10,000. that kinda freaked me out since my other limits at the time were around $2,500. haha.... i still haven't used more than $900 of that limit, but i'm veryvery glad to have it!

Re: What is largest CL you have? / Which Cards provide large CL?

Anonymous — Sat, 22 Mar 2008 16:05:54 GMT

tie between nat city and boa 12k each, followed by citi and a cu 10k each.

Re: What is largest CL you have? / Which Cards provide large CL?

Anonymous — Sat, 22 Mar 2008 16:08:46 GMT

concorduser wrote:
One more question. To reach these CL's did you do PIF or did you carry balances? I dont like to carry balance and I always do PIF. Is it ok or should I carry balances?

concorduser,

I PIF all of these cards monthly, except my Amex Blue. I have an old convenience check balance approx $6000ish at a rate of 1.9%. See no reason to pay that off, given the interest rate.

Re: What is largest CL you have? / Which Cards provide large CL?

Anonymous — Sat, 22 Mar 2008 16:37:15 GMT

my largest CL is first premier 100.00

Re: What is largest CL you have? / Which Cards provide large CL?

fused — Sat, 22 Mar 2008 16:59:02 GMT

I will reluctantly share.

- BoA 26.5K (unsecured line of credit)

- FIA Fidelity Plat Visa 25K...opened 02/05 with an initial CL of $500...made big charges revolved small balances

- Amex Blue 20K...opened 12/06 with an initial CL of 4.7K...mostly PIF or revolved a very small balance

- Chase Plat Visa 19.3K...joint account with wife

Re: What is largest CL you have? / Which Cards provide large CL?

Anonymous — Sat, 22 Mar 2008 17:02:30 GMT

@haulingthescoreup wrote:
My largest is USAA MC, now at $32K. It was their AmEx at $30K. I was up late with asthma and full of inhalers (which make you revved and jittery), and I wanted a CLI from the $3500 that I had. I hit the luv button and *blink* $30K. So I guess that instead of an auto-CLI, I had an albuterol-CLI, har har.

I just swapped the CL from the AmEx to the MC, because the MC is taken more places in the home remodeling area.

Quick question, did USAA get rid of the luv button on their website? I can't seem to find it?

Re: What is largest CL you have? / Which Cards provide large CL?

Anonymous — Sat, 22 Mar 2008 17:11:28 GMT

@Red1Blue wrote:
One more question. To reach these CL's did you do PIF or did you carry balances? I dont like to carry balance and I always do PIF. Is it ok or should I carry balances?

For my biggest CL (BofA VISA) - I often carry a balance. I frequently use this card for work expenses, they reimburse me (with interest, of course, if I don't pay in full). I've actually had a balance as high as $19K when my limit was $19.5 - they raised my limit to $23K+.