Which cc offers most generous CL?

Anonymous · ‎12-08-2014

I currently have a cap1 platinum ($300), a cap1 quicksilver ($1,000) a walmart store card ($500) and an Amazon store card ($600). My EQ and TU FICO is currently at 620. I've been denied by Discover, Chase and Barclay. Is there anyone else worth trying? I'd really like to broaden my available credit just a little more.

juggalo9er · ‎12-08-2014

credit union?

navajomyst2003 · ‎12-08-2014

Believe it or not, for me it has been Cap1 and then Chase and then NFCU.

In my wallet: Cap1 Venture ($58k), Amex PRG (NPSL), Amex HH ($4K), Barclays Ring MC ($10K), Chase Sapphire Preferred ($22K), Chase SWA Visa Preferred ($7.5K), Chase United Mileage Explorer VS ($20k), Chase Marriott Rewards VS ($12K), BOA BBR MC ($41K), BOA Visa Sig Cash Rewards ($30K), Chase Ritz VS (9K), NFCU Flagship Visa ($55K), Discover It ($6K), Citi AA ($20K). Everything else in SD.

FICO goal: 800+ (as of 3-6-15: EQ FICO 774,,TU FICO 808, EX FICO 775)

Anonymous · ‎12-08-2014

I haven't tried my credit union. Chase turned me down and I can't apply with NFCU because I have no military association. I already tried.

navajomyst2003 · ‎12-08-2014

@Anonymous wrote:
I haven't tried my credit union. Chase turned me down and I can't apply with NFCU because I have no military association. I already tried.

BOA has been kind to me too if that is an option for you.

In my wallet: Cap1 Venture ($58k), Amex PRG (NPSL), Amex HH ($4K), Barclays Ring MC ($10K), Chase Sapphire Preferred ($22K), Chase SWA Visa Preferred ($7.5K), Chase United Mileage Explorer VS ($20k), Chase Marriott Rewards VS ($12K), BOA BBR MC ($41K), BOA Visa Sig Cash Rewards ($30K), Chase Ritz VS (9K), NFCU Flagship Visa ($55K), Discover It ($6K), Citi AA ($20K). Everything else in SD.

FICO goal: 800+ (as of 3-6-15: EQ FICO 774,,TU FICO 808, EX FICO 775)

Anonymous · ‎12-08-2014

Bank of America has been the nicest to me, maybe because I have 2 retirement, 5 checking, 4 savings, 2 brokerage, and 2 business accounts with them. Total credit of $100K across 4 cards with Bank of America on 0% APR cards. Not bad! I'd recommend going to the bank which you already have relationships with. They will naturally be able to trust you more.

Anonymous · ‎12-08-2014

@Anonymous wrote:
I currently have a cap1 platinum ($300), a cap1 quicksilver ($1,000) a walmart store card ($500) and an Amazon store card ($600). My EQ and TU FICO is currently at 620. I've been denied by Discover, Chase and Barclay. Is there anyone else worth trying? I'd really like to broaden my available credit just a little more.

What about Amex? They have the 3x CLI for you to raise your limit quickly..

Anonymous · ‎12-08-2014

AMEX is too restrictive, and I am naturally skeptical of CLIs with AMEX.

Anonymous · ‎12-08-2014

You will need to improve your credit profile in order to be looking at truly generous CL's.

NRB525 · ‎12-08-2014

+1

OP you have two Capital One cards, how long have you had those? You probably are best served by using those, paying on time, and letting your payment history boost your FICO scores naturally. Three denials are the banks telling you that you need more credit history. You are set up to do that, just keep working at it.

Good luck!

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765