I saw a recent post about SchoolsFirst and figured I’d play along... I’ve had this card open for about 7 years with very little activity. My last CLI was back in 2022, which bumped the limit from $10k to $42k. I honestly thought that was the max, and based on what I’ve read, I assumed their cards capped out at $35k. After seeing that post, I decided to test the waters. I spoke with a representative and was told the limit could actually go as high as $50k, so I went for it. It was a hard pull on Experian, and my credit score was over 800. I barely use the card... but it’s kinda cool having a $50k limit from a credit union. The reward structure remains mediocre (1.5 pts for $1).
Solid CL - congrats!
I just got off the phone with them and was told the cap is $35k on credit cards. So someone seems not informed over there?
@sto0pyd wrote:I saw a recent post about SchoolsFirst and figured I’d play along... I’ve had this card open for about 7 years with very little activity. My last CLI was back in 2022, which bumped the limit from $10k to $42k. I honestly thought that was the max, and based on what I’ve read, I assumed their cards capped out at $35k. After seeing that post, I decided to test the waters. I spoke with a representative and was told the limit could actually go as high as $50k, so I went for it. It was a hard pull on Experian, and my credit score was over 800. I barely use the card... but it’s kinda cool having a $50k limit from a credit union. The reward structure remains mediocre (1.5 pts for $1).
@sto0pyd , Congratulations!!
Thank you for sharing your DP's, it's what makes this forum essential! Of course everyone will not qualify for elevated lines but knowing the ceiling is valuable.
Congrats! I've been at $50k with them for a few years now.
@RootDet wrote:I just got off the phone with them and was told the cap is $35k on credit cards. So someone seems not informed over there?
What I beleive is happening is that some people that had the card before they reduced the max limit to 35k may have a previous amount in their profile that lets them increase to 50k. Others were already at 50k and they let us stay there.
