Credit Card Starting Limits

Anonymous · ‎03-02-2020

Hello everyone!

What are some credit unions or banks that are simliar to NFCU in regards to credit cards starting limits or cli?

Also, whats are the data points to obtain a credit card with Langley?

AllZero · ‎03-02-2020

Here's a great post by AJC Langley Federal Credit Union

Aim_High · ‎03-03-2020

@Anonymous wrote:
What are some credit unions or banks that are simliar to NFCU in regards to credit cards starting limits or cli?

Navy Federal is an outlier when it comes to those high credit lines on multiple cards and with some relationship history. I'm not aware of any as generous as them for thinner files, lower scores, or credit blemishes. And by the way, we've seen members who get high approvals with NFCU and then expect all other lenders to follow suit. However, it seems high limits with NFCU (by themselves) will not necessarily lead to equivalent higher limits with other banks.

I will mention,though, that another popular target for higher limits (even with less-than-perfect files) is actually AMEX. See the thread about possibly getting a 3x CLI with AMEX. Their hierarchy (in terms of ease of approvals) starts with the cobranded cards (like Hilton, Delta), then to charge cards (Green-Gold-Plat), and finally to the more difficult revolvers (like Blue Cash cards or Cash Magnet).

See this link:

https://ficoforums.myfico.com/t5/Credit-Card-Applications/The-Definitive-Amex-3X-CLI-Guide/m-p/1811071

Business Cards

Length of Credit > 42 years; Total Credit Limits > $947.1K
Top Lender TCL - Chase 156.4 - BofA 99.9 - CITI 97.5 - AMEX 95.1 - NFCU 80.0 - SYCH - 65.0
AoOA > 32 years (Jun 1993); AoYA (Oct 2024)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.

Anonymous · ‎03-03-2020

Thank you! I burnt AMEX not too long ago. Currently im in OASIS program. Your statement below said everything. I was just about to burn a pull on langley! Thanks for saving me!

Navy Federal is an outlier when it comes to those high credit lines on multiple cards and with some relationship history. I'm not aware of any as generous as them for thinner files, lower scores, or credit blemishes. And by the way, we've seen members who get high approvals with NFCU and then expect all other lenders to follow suit. However, it seems high limits with NFCU (by themselves) will not necessarily lead to equivalent higher limits with other banks

Anonymous · ‎03-03-2020

@Aim_High wrote:
@Anonymous wrote:
What are some credit unions or banks that are simliar to NFCU in regards to credit cards starting limits or cli?
Navy Federal is an outlier when it comes to those high credit lines on multiple cards and with some relationship history. I'm not aware of any as generous as them for thinner files, lower scores, or credit blemishes. And by the way, we've seen members who get high approvals with NFCU and then expect all other lenders to follow suit. However, it seems high limits with NFCU (by themselves) will not necessarily lead to equivalent higher limits with other banks.

I will mention,though, that another popular target for higher limits (even with less-than-perfect files) is actually AMEX. See the thread about possibly getting a 3x CLI with AMEX. Their hierarchy (in terms of ease of approvals) starts with the cobranded cards (like Hilton, Delta), then to charge cards (Green-Gold-Plat), and finally to the more difficult revolvers (like Blue Cash cards or Cash Magnet).

See this link:
https://ficoforums.myfico.com/t5/Credit-Card-Applications/The-Definitive-Amex-3X-CLI-Guide/m-p/1811071