@Credit4Growth 20K+ SL would be great. Thanks for your pointers, any idea if Cash + gives 5% for Geico insruance, does it classify it as utility category. While on car insurance I need to vent this out, I am currently paying premiums of 1K+ for 2 cars (2019 Odyssey and 2008 Corolla) for hardly driving due to remote work, has any one found any better alternatives?
@FICOlearner123 wrote:@Credit4Growth 20K+ SL would be great. Thanks for your pointers, any idea if Cash + gives 5% for Geico insruance, does it classify it as utility category.
" @staticvoidmain wrote:
Starting limit aside, I would like to reiterate what others pointed out: It has online SP CLI. If your profile supports it, you can grow your limit without needing an HP.
My Costco Visa is one of my cards that has more credit than I currently need. I wish I could say the same for Amazon Visa. or the recently CLD'd Capital One.
Other poster in this thread, maybe only 2, have referenced their accounts have grow somewhat close to $20K., (above $15K with increases to reach their current limits).
Still, approvals and SL are based on profiles of the applicant and subjected to the mercy of the underwriters. You have great limits on multiple cards and that is a positive attribute that may work in your favor.
I really do not want to put it out there, that applying would be a crap shoot but ultimately "we get what we get"... outside of reconsideration and increases.
@FICOlearner123 wrote:@Credit4Growth 20K+ SL would be great. Thanks for your pointers, any idea if Cash + gives 5% for Geico insruance, does it classify it as utility category. While on car insurance I need to vent this out, I am currently paying premiums of 1K+ for 2 cars (2019 Odyssey and 2008 Corolla) for hardly driving due to remote work, has any one found any better alternatives?
US Bank's utilities category is only for electric, gas, water, and waste management.
If you have GEICO, make sure you are on a Pay In Full plan if your finances allow; there is a 10% discount for making one payment rather than making payments on a plan. There are also affiliate discounts available if you belong to certain credit unions (like NFCU), wholesale clubs (like BJ's), and many others.
