Biggest initial CL?

[Bman70]

Who's likely to give the biggest initial credit line - Sallie Mae or Amex (BCP)? Any indications, rumors, or intel floating around? Thanks 

[jugstore]

I can't speak to the Sallie Mae starting limits but Amex is pretty generous has a decently documented CLI system so even if it's lower to start it can grow pretty fast, and with soft pulls to boot!  

You should also do some rough calculations if you are doing one or the other and not both to make sure the extra cash back on groceries the BCP gives makes it worthwhile compared to the Sallie Mae.  

[youngandcreditwrthy]

Amex ime offers larger  credit likes overall  as compared to Barclay's(issuer of SM MC). Amex is very picky though! Amex always has 3xcli after 60days

[Kenny]

They both give very good limits. As with a lot of situations... there are a lot of variables. Go with whichever one makes the most financial sense to you: 0% promo rates, Cashback rates, etc...

[j_casteel]

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@jugstore wrote:

I can't speak to the Sallie Mae starting limits but Amex is pretty generous has a decently documented CLI system so even if it's lower to start it can grow pretty fast, and with soft pulls to boot!  

You should also do some rough calculations if you are doing one or the other and not both to make sure the extra cash back on groceries the BCP gives makes it worthwhile compared to the Sallie Mae.  

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Too many variables to really say, and it also really depends on your credit file, salary, etc. It is different for everyone.

[fot1]

No way of knowing.. I got the Sallie mae card two weeks after getting the BCE.. BCE gave me $1000, Sallie Mae $7900

[Creditaddict]

Barclay can be reckoned though... Amex can possibly 3x cli at 62 days

[NikoD]

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@fot1 wrote:

No way of knowing.. I got the Sallie mae card two weeks after getting the BCE.. BCE gave me $1000, Sallie Mae $7900

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Interesting, I applied for Sallie Mae about a month after BCE. I had no other inquiries at all, BCE hadn't reported yet when I apped for the SM and they pulled from different CRA (so SM never saw the BCE HP). SM gave me $4500 and Amex gave me $10000. I guess YMMV.

[SunriseEarth]

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@Bman70 wrote:

Who's likely to give the biggest initial credit line - Sallie Mae or Amex (BCP)? Any indications, rumors, or intel floating around? Thanks 

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As is evidenced in the thread, it's truly YMMV.  Amex and SM pull different CRs and have different internal scoring models.

[DrMac210]

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@SunriseEarth wrote:

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@Bman70 wrote:

Who's likely to give the biggest initial credit line - Sallie Mae or Amex (BCP)? Any indications, rumors, or intel floating around? Thanks 

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As is evidenced in the thread, it's truly YMMV.  Amex and SM pull different CRs and have different internal scoring models.

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+1

In my case, last month I was approved for an Amex Delta Gold for $2K, and a Sallie Mae Barclay for $10K...................