Best card to pad utilization?

[Anonymous]

My best SL to date has been for 30K w Navy. What other credit unions/banks provide the best SLs?

[JR_TX]

SL would depend on a lot Of factors. FICO score, Credit Profile, Income & DTI, Relationship, etc.... 

CSP, Amex, BoA, citi co-branded (Costco, AAdvantage) to name a few have been reported to give out very good SLs as long as profile supports it.

[tcbofade]

If it's honestly just for padding, go for a Lowe's card... they grow quickly!

[M_Smart007]

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@tcbofade wrote:

If it's honestly just for padding, go for a Lowe's card... they grow quickly!

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+1

Even if they dont start you out at a high SL, I sure have seen a lot of $35K SL's

[AverageJoesCredit]

Get a Care Credit or Navy Cloc. Most people dont use them but can get 15-20k padding lol

[Anonymous]

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@AverageJoesCredit wrote:
Get a Care Credit or Navy Cloc. Most people dont use them but can get 15-20k padding lol

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I would get the Care Credit. 

Navy limits are too precious to waste on CLOC. 

[AverageJoesCredit]

Lol, why i havent tried for cloc , though i highly doubt i could get more than i have right now anyway

[Anonymous]

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@AverageJoesCredit wrote:
Lol, why i havent tried for cloc , though i highly doubt i could get more than i have right now anyway

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I got a $500 one when I was thinking about moving my banking to NFCU which would have been plenty for credit card minimums but I ultimately decided to just stick with my bank so I may close it some day since it brings down my average revolving limit. 

[Anonymous]

Good to know about the Lowe's! Thing is, my score will take a hit once a couple of BTs show, so I might have a hard time getting any CLIs a few months from now, atleast until those balances get paid down. 

@ averageJoe Navy has been good to me. I started w a 10K Amex 18-months ago and now have both that and the Platinum at 30K. I'm considering applying for a third but skeptical they'd offer me more, considering I already have a large 0%APR balance on the Plat. Current TU/EQ took a huge hit down to 680 from 805 after transfering that balance. 

[Anonymous]

Went for the Lowe's and received only 1K...lol. Any point to calling in a recon? Suppose it can't hurt