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CC's notorious for generous CLI's

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Anonymous
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CC's notorious for generous CLI's

I did some searching on this and found some scattered threads with isolated examples, but thought it would be nice to have a thread with a bunch of examples in it.  I guess I'm assuming excellent credit scores here as results with less than excellent scores would be more hit or miss generally speaking.  Contributions from those with any FICO scores would be appreciated though if you felt what you received was generous considering your personal profile.  Looking for best results in a years time or so, that is from SL to X within roughly a year.

 

So far two that have jumped out at me are Discover It and Lowes (Synchrony).  Many have cited SL's in the $5k-$10k range and in a year or so (sometimes much sooner) having a CL of $25-$35k.  Curious what other examples are out there and what you guys have personally had success with.  Thank you for your feedback.

Message 1 of 43
42 REPLIES 42
Anonymous
Not applicable

Re: CC's notorious for generous CLI's

Besides Lowe's, most of the other Synch cards can also be very generous. 

Message 2 of 43
Anonymous
Not applicable

Re: CC's notorious for generous CLI's

My experience is Amex. I received few auto increases already and intially started at 8k. Second highest limit was discover for 4K at the time of Amex approval.
Message 3 of 43
Anonymous
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Re: CC's notorious for generous CLI's

Seems like others are getting huge limits with Cap one venture. All I see is 20k starting limits.
Message 4 of 43
Anonymous
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Re: CC's notorious for generous CLI's


@Anonymous wrote:
Seems like others are getting huge limits with Cap one venture. All I see is 20k starting limits.

That's starting limits. The OP is asking about CLI's, and Cap One is one of the stingiest in that respect.

Message 5 of 43
Loquat
Moderator Emeritus

Re: CC's notorious for generous CLI's


@Anonymous wrote:

@Anonymous wrote:
Seems like others are getting huge limits with Cap one venture. All I see is 20k starting limits.

That's starting limits. The OP is asking about CLI's, and Cap One is one of the stingiest in that respect.


+1 CapOne may issue decent SL, but they can be very stingy in regards to CLI. 

Message 6 of 43
jamie123
Valued Contributor

Re: CC's notorious for generous CLI's

Well...

 

Discover IT in the last 12 months: $6000 to $20500 (No hard pulls and many CLIs)

 

Cap1 QS in the last 12 months: $5000 to $13000 (1 hard pull and 1 CLI)

 

I played the Discover game last spring for one-half of the increase.


Starting Score: EQ 653 6/21/12
Current Score: EQ 817 3/10/20 - EX 820 3/13/20 - TU 825 3/03/20
Message 7 of 43
Anonymous
Not applicable

Re: CC's notorious for generous CLI's


@jamie123 wrote:

Cap1 QS in the last 12 months: $5000 to $13000 (1 hard pull and 1 CLI)

 


They HP'd you for the CLI?

Message 8 of 43
Anonymous
Not applicable

Re: CC's notorious for generous CLI's


@Anonymous wrote:
My experience is Amex. I received few auto increases already and intially started at 8k. Second highest limit was discover for 4K at the time of Amex approval.

Any card in particular?

Message 9 of 43
jamie123
Valued Contributor

Re: CC's notorious for generous CLI's

Yes, They are known for HPing all 3 CRAs to get a CLI. Same thing goes for Bank of America. HP all 3 CRAs.


Starting Score: EQ 653 6/21/12
Current Score: EQ 817 3/10/20 - EX 820 3/13/20 - TU 825 3/03/20
Message 10 of 43
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