@Anonymous wrote:For me the most generous were: Amex, Discover and Capital One. I recently lowered my Amex(25k-10k) and Discover(22.5k-11k) in March(I regret it). I had 25k limit less than 9 months with them. Citi- I think is good. Chase is ......
What was your reason for lowering them @Carmy03? I've never heard about that.
P.S. How do I make people's profile names into a link. I can certainly try to do it the manual way in the HTML tab, but I gotta believe there's an easier way.
^ About ~3000 post away.
@Anonymous wrote:
@HomeBuyerSpring2021 wrote:
@Anonymous wrote:For me the most generous were: Amex, Discover and Capital One. I recently lowered my Amex(25k-10k) and Discover(22.5k-11k) in March(I regret it). I had 25k limit less than 9 months with them. Citi- I think is good. Chase is ......
What was your reason for lowering them @Carmy03? I've never heard about that.
P.S. How do I make people's profile names into a link. I can certainly try to do it the manual way in the HTML tab, but I gotta believe there's an easier way.
I lowered them because honestly I'm not going to ever use 25k on my Amex. The most I used was 5k. And discover the most I used was 3k.. I will be lowering my navy federal in about a year. Lol yeah based on what I read so far on this forum, lowering your credit limit is very different.
Nothing wrong with doing whats right for you but definitely not the norm here
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@Brian_Earl_Spilner wrote:Cap1. As long as you don't miss a payment, they will never flinch. The only "AA" I've ever heard about from them that wasn't due to missed payments, is when they cut large limits down to $10k for people that weren't using them. All your charges will go through, even overseas. Their fraud investigations are quick and they replace cards quickly. Because of that, I will always carry a cap1 card on me for emergencies.
@UncleB will agree
Yep, I definitely agree. 
Occasionally you'll find an outlier who reports a different experience, but for most of us they've been solid. If all else were to fail, I would pull out a Capital One card.
Rarely I'll get a text/email after the fact if they are unsure about a transaction, but that's after they approve it.
Chase is know to be skittish around here. Most people will warn you to keep credit applications to a minimum before and after a Chase approval. They can close an account if they feel you're a risky bet. Otherwise they can be a good lender. That $17k approval is a great example. Amex is the one that's known to be generous, whether it's with SL or CLI. I only have a charge card with them, so I can't speak from experience, but perhaps in the near future. Capital One is steady and can be good to you, especially when first starting out. I would only say that CLIs can be hard to come by though unless you give them heavy use. Citi and Discover are somewhere in the middle. They can be generous or stingy, but it seems to vary case by case. For me, Citi has been more generous than Discover, but I like them both. For others, it's the exact opposite. Definitely keep reading the forums and you'll start to get a feel for what each lender likes and doesn't like. As everyone says YMMV (your mileage may vary).
Oh and as far as credit unions, if you don't have military affiliation, check out DCU. They have a decent savings rate on the first $1k, lots of great loan offers and rates, and a no frills Visa with a decently low rate. You can also get your free monthly EQ5 Mortgage score and get SP approvals every quarter.
@KLEXH25 wrote:Chase is know to be skittish around here. Most people will warn you to keep credit applications to a minimum before and after a Chase approval. They can close an account if they feel you're a risky bet. Otherwise they can be a good lender. That $17k approval is a great example. Amex is the one that's known to be generous, whether it's with SL or CLI. I only have a charge card with them, so I can't speak from experience, but perhaps in the near future. Capital One is steady and can be good to you, especially when first starting out. I would only say that CLIs can be hard to come by though unless you give them heavy use. Citi and Discover are somewhere in the middle. They can be generous or stingy, but it seems to vary case by case. For me, Citi has been more generous than Discover, but I like them both. For others, it's the exact opposite. Definitely keep reading the forums and you'll start to get a feel for what each lender likes and doesn't like. As everyone says YMMV (your mileage may vary).
Thanks for all the great feedback. Much of it does reflect the experiences I've had with all of these cards. I just didn't know that my experiences had meaning. And now that I'm in a different credit score tier than I have been since 2011ish, we'll see how they like me now! Also with my recent Chase approval, this confirms that I should cool it with any other applications. Luckily, I'd moved a couple of big monthly charges to CapOne for the past few months, so it sounds like might have inadvertently primed the pump (along with my jump in score) to get the best possible CLI. So yay! This all definitely helps me navigate & make good decisions. Thanks so much.