cancel
Showing results for 
Search instead for 
Did you mean: 

Higher CL

tag
Bluedog23
Regular Contributor

Higher CL

 

Who tends to give higher initial CL--Citi or Chase?

 

EX 766; EQ 733

EX 805 FICO, EQ Fico 762; TU. 768Discover)
Message 1 of 5
4 REPLIES 4
LS2982
Mega Contributor

Re: Higher CL

I would think they're about the same.



EQ FICO 548 3/3/16
Message 2 of 5
MovingForward_2012
Valued Contributor

Re: Higher CL

+1, Chase will give you a great limit if you have the history and other high limit cards.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Message 3 of 5
Walt_K
Senior Contributor

Re: Higher CL

I was given an initial CL of $7K on a Citi Forward and $5.5K on a Chase Freedom in April of last year.  I applied for a Citi AAdvantage Visa and Amex and a Chase Sapphire Preferred in January of this year.  Citi gave me $17.5K on the AAdvantage cards and Chase gave me $29.7K on the CSP.

 

I'm not sure why the large difference between the Forward and the AA cards, or the Freedom and the CSP.  A little over 4 years ago I had a lot of late payments on Citi and Chase cards and they were shut down, but not charged off.  I paid them back in full.  So perhaps they wanted to see how I did before giving me larger limits.  I suppose it's also possible they give higher initial limits depending on the card product, but I don't know if there's any data on that. 


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


Take the FICO Fitness Challenge
Message 4 of 5
Bluedog23
Regular Contributor

Re: Higher CL

Thanks for the replies. I guess it's just a ymmv thing. Since I'll only app for one, guess I'll just toss a coin.

EX 805 FICO, EQ Fico 762; TU. 768Discover)
Message 5 of 5
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.