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Do banks generally grant higher limits?

Frequent Contributor

Do banks generally grant higher limits?

Hi all. I'm a college student and have a bank account with PNC. I work part time and my annual income is a little over 9k. I got approved for a CapOne journey with only a 300$ limit. Now, two of my friends, who work a little more than me, so maybe make about 10 or 11k annual income, have been approved for credit cards by their bank for 1000$+ limits


So my question is, should a member of a bank apply for a credit card with that bank? Do banks generally grant higher limits to their members? Should I apply for credit with PNC? 

AE CC: $1,050 | AEO Visa: $1,890 | Cap1 QS: $2,100 | Chase Freedom: $1,000 | Citi Forward: $1,500 | Citi Double Cash: $1,000 | Discover iT: $500 | GameStop: $1,650 | Overstock: $1,700 | PayPal Smart Connect: $1,500 | Walmart $2,200

TU (Discover): 663 | EQ (Citi): 651
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Senior Contributor

Re: Do banks generally grant higher limits?

I feel like banking relationships improve approval/terms/limits.


However, a high FICO shall set you free.....


just think about what would be good for your FICO. Remember that C1 accounts typically do not grow. I'd recommend opening some GE accounts!

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 2 of 3
Frequent Contributor

Re: Do banks generally grant higher limits?

Crapone wont grow as already stated. GE cards do grow so that could be an option for you or a credit union who tend to more generous than banks.

Message 3 of 3