When do you get 25k+ CL Cards?

[Anonymous]

Had a Cap1 QS SL 1k 11/2014 now 4.5K (auto CLI 2x)

7/2016 NFCU Cash rewards Visa 25K (mail offer)been a NFCU member for 1.5 years

2 weeks later got PenFed Visa sig 25k also (lowered to 20K to fund Penfed Amex) 

income is over 100K

[Anonymous]

@cameronusmc20011

Is Alliant's max credit card limit $25K or does anyone know if it goes up to a $50K limit like PenFed and NFCU (minus Flagship Visa that has a $80K limit) or NASA's $30K limit.?

[driftless]

For me, it was a good income, clean reports, scores in mid 700's and sizable deposit accounts with Chase. I believe that the deposit accounts jumped DW's and my SL's.

[Anonymous]

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@Anonymous wrote:
@Anonymous

Is Alliant's max credit card limit $25K or does anyone know if it goes up to a $50K limit like PenFed and NFCU (minus Flagship Visa that has a $80K limit) or NASA's $30K limit.?

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CL, the max is 25K, which is understood considering they are half the size of PF

[Anonymous]

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@sdchrgrboy wrote:

I was approved for both a BofA Alaska Air and Chase Marriot both had $30SL's.  Scores were between 780-806, Util 3%

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Wow...that's amazing. I'm working hard to get to that point one day. 

[Chickenpotpie]

my first was this month.  SL of 25K, APR 8.24%    at the time my F8 scores were across the board in 790's.  my income supports the card north of 95K

Only advice I have is take your time.  Its not really  a race.  I have 4 cards.  Across those cards I have a limit of 74k.  I'm good with that, its enough for me.  If I get gift CLI I'll take it though .  But I started off after the bk really small.  like 900 SL small...  I took the time to grow  with my cards and baby the limits.  and I learned to use cash very effectively, and O learned to pay off the cards more than a few times a month.   I had the income sure but when you come back from something catastrophically wrecking like a BK, you do well to take to heart what got you there in the first place.  I couldn't really build until the bk fell off across all the CB's, which was 2012-2013.

So I keep exposure low.  Some don't but I do.  I don't do app sprees, I feel thats not actually being responsible for someone with my past history.  I use my cards responsibly and only when I know I can pay them off...not that i do, it tanks my scores but i certainly could if I needed to.  I had to loosen up and not go into a tailspin when I used my cc's.   Some of us go the other direction I guess...lol.

How it works for me works for me, but may not for someone else as they may have different goals.  I think some of us have similar goals but not exctly the same ones.

[driftless]

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@Chickenpotpie wrote:

Only advice I have is take your time.  Its not really  a race.  I have 4 cards.  Across those cards I have a limit of 74k.  I'm good with that, its enough for me.  If I get gift CLI I'll take it though .  But I started off after the bk really small.  like 900 SL small...  I took the time to grow  with my cards and baby the limits.  and I learned to use cash very effectively, and O learned to pay off the cards more than a few times a month.   I had the income sure but when you come back from something catastrophically wrecking like a BK, you do well to take to heart what got you there in the first place.  I couldn't really build until the bk fell off across all the CB's, which was 2012-2013.

So I keep exposure low.  Some don't but I do.  I don't do app sprees, I feel thats not actually being responsible for someone with my past history.  I use my cards responsibly and only when I know I can pay them off...not that i do, it tanks my scores but i certainly could if I needed to.  I had to loosen up and not go into a tailspin when I used my cc's.   Some of us go the other direction I guess...lol.

How it works for me works for me, but may not for someone else as they may have different goals.  I think some of us have similar goals but not exctly the same ones.

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+ 1  It is not a race and you do have to wait until your reports are clean, or almost clean.  While high CL's are very nice, I would not use my cc's different if I had half the limits.