Best CC's for large limits. $30k+. Wanting to pad my utilization percentage.

[bourgogne]

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@Loquat wrote:

The BBP won’t do the OP any justice if he’s already carrying a balance that he needs the utilization to pad.  And with Chase you have to be careful about putting personal on business cards...they’ll send you a nice reminder if you do it too much. 

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right, more or less just putting it out there for the op to think about.  re chase, have you had that happen?  never heard of that.  I dont run wild, grocery always goes on a freedom of some sort but that is about it.  resturants are always on the csr.  I use the ink unlimited for everything else, just stuck ski boots at deer valley on it lol.  movies and amazon as well but the amazon is mostly work related.  i charge and I pay pretty quick after the cut so I figured that would suffice but if you know different I am all ears.  thank you

[Revelate]

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@Adkins wrote:

Some lenders will look at your large limits as risky, and others might question why they should extend you credit when you have such high limits that aren't utilized already. 

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Yeah but with a ~50K TCL and with the income to actually get a 500k mortgage, presumably not close to that line yet.

That said though, if you aren't carrying balances, 50K is plenty for the majority of people so padding utilization alone doesn't make sense, but looking at that lineup, depending whether Amex or Chase is primary (probably not Chase as real use shouldn't be in a CSP anyway) a points accelerator as someone mentioned absolutely is the right call to cover other spending areas.

[AverageJoesCredit]

Penfed can extend big limits to the right person, in their eyes lol. You have to apply to see what side of the fence you sit though.

[Anonymous]

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@NRB525 wrote:

You can probably get an AMEX revolver, and build that up to a high limit eventually. The EveryDay card would earn MR points with no AF, EDP has an AF. The accelerator on those cards can help earning some more general spend points. 

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I second this. You already have a gold & platinum card. The everyday will give you matching points from gas purchases. Amex will (99% likely] only soft pull your credit since you havd cards with them already. You have high income & good scores, so I wouldn't be surprised if you start with a 10k limit (especially if you put some good routine spend on the gold & plat). After 61 days, you can request them to triple your limit. And request triple every six months later.

Main downside to opening up a card just for until padding is that it'll lower your average age of accounts some, which will lower your score for the time being.

[pinkandgrey]

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@Anonymous wrote:

Utilization padding is not the best reason to get a card but the Lowe’s card, Navy Federal cards, Savor, First Tech Odyssey come to mind. 

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Yeah. This exactly. 

[Shooting-For-800]

Here are few large limit cards that seem to be popular:

Lowes = $35k

Cap One Savor = $30k

Cap One Venture = $30k

NCFU = $25k

Discover = $10k - $20k

[Anonymous]

"You mentioned Lowe’s and Synhrony can be known for large limits but I’ve read of folks getting cards, even Lowe’s and have them stuck at lower than desired limits despite having a fairly decent TU score."

This!! I'm one of several people that I know that seem to be stuck for no reason. It's my lowest card in my wallet by far.

I agree about Navy Fed. The CLI was generous even if it costs an inq. Discover has been generous to me, but they are mysterious in their giving ways.

[Anonymous]

I would bark up to AMEX for the SP and do decently well as long as you have been good to your chargers. And the CLI process is well documented.

Chase will probably be stingy with an SL but you could nab a Freedom to go with your CSP since they compliment each other.

[ChargedUp]

For what it's worth, my B of A card started at $2500 and grew like a wildfire to $55K... Opened 3/2017...

[seattlecredit08]

PenFed is a good suggetion.

If you do get on their good side, you can try to go for PenFed PLOC (Personal Line of Credit), which goes up to $25,000 and is probably easier to get that a card with a comparable limit. You can obtain your first card and PLOC with the same Equifax pull. So if stars align for you with PenFed, you can probably get both a $10,000 card and $25,000 PLOC when you join.

My understanding is that PenFed PLOC will report just like any other revolving debt as long as you carry a small balance.

There are also some regional banks that are known to extend larger limits. Synovus is one of them, provided your Equifax FICO is good. You can also try to board the BB&T express if you are in the market they serve.  However, we are talking more like $15,000 in best case with both of them rather than $30,000 unless your profile is exceptional.

Thanks!!