Help finding the right card for High CL

[Anonymous]

Hi Everyone,

Wanted to get some advice on getting a card with a high CL.

Also if it is possible to figure out what CL I would qualify for with a soft pull.

Here is the background;

Been working on my credit for the last 3 years and have got it to a good level right now.

FICO score for all 3 CRB’s is between 757 to 781.

I have 5 new accounts in the last 24 months.

Currently have the following cards

Discover IT                  $14,000

Huntington M.C.         $13,900

BofA  Rewards Visa    $7,000

Paypal M.C.                 $10,000

US Bank Cash+ V.      $5,000

Barclays  Apple Rew. $3,000

AmEx  EveryDay         $9,000

Macys                   $2,500

Kohls                     $2,000

Total CL on all cards: $66,400

Utilized revolving credit is only 3%

I have contacted most providers and asked for CLI’s from those that do Soft Pulls.

I am not looking to add a card. Main objective is to add to Available Credit. So basically a high CL Card

I want to avoid getting hard pull (except maybe from the card that I do get).

How can I figure out which provider will give me the highest limit without having hard pulls?

Can a bank / card providor give you a credit limit without doing a HP?

What are the best options in this case?

Thanks

[Anonymous]

The only one I’m aware of that give a new cc without a HP is AMEX.

[Anonymous]

I am ok with getting a hard pull from the one card that I pick. but want to know if there is a way to know the possible credit limit from banks without doing a hard pull, so that I can chose one.

[Anonymous]

Citibank usually gives SP CLI so you might want to add a Citi card. Since you already have amex, they might give a new cards with SP. Also, keep asking existing cards that do SP CLI for increases every 6 months.

You will want to age your accounts some more which is probably next step to get you to next level in building a strong credit profile.

[Kforce]

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@Anonymous wrote:

Is it possible to figure out what CL I would qualify for with a soft pull.

"No"

FICO score for all 3 CRB’s is between 757 to 781.  ( Good )

I have 5 new accounts in the last 24 months.  ( Not so good )

Total CL on all cards: $66,400  ( Good )

Utilized revolving credit is only 3% ( Very Good )

I have contacted most providers and asked for CLI’s from those that do Soft Pulls.

( All you can do, without hurting scores )

How can I figure out which provider will give me the highest limit without having hard pulls?

You really can't.

Some issuers are known to start higher, but grow slow.

Bank of the West, FNBO, Capitial One (For established credit like you have)

Some start off Low/Medium but grow faster. (Discover, Amex, BofA)

Forum members have been trying to unravel the answers to this for many years.

Results vary a great deal by credit profile.

Can a bank / card provider give you a credit limit without doing a HP?

If you are applying for a new card. (NO)

I do not know of an issuer that will give you a CL range, prior to applying for a card.

What are the best options in this case?

Decide if it is better to wait and let your cards age and receive SP CL increases or pull the trigger and

take your chances.

My personal largest starting CL's were with "Bank of the West" and "FNBO".

Lowest were Barclay's, Citi, and US-Bank

This said I believe rewards / benefits trump high starting CL's.

[Peteyglad]

Generally  bank will not be able to give you a credit limit without you first applying for the card. The only instance I have seen different than this is my local CU. They will occasionally send me preapprovals with a credit limit mentioned. The last one I got said the card would come with a $35k credit limit. This is definitely not the norm though.

[UpperNwGuy]

OP,  you are asking for the impossible.  Unless you can leverage your Amex connection, you will get a hard pull, and you won't know in advance whether it is for a low credit limit or a high one.

[Kforce]

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@Peteyglad wrote:

Generally  bank will not be able to give you a credit limit without you first applying for the card. The only instance I have seen different than this is my local CU. They will occasionally send me preapprovals with a credit limit mentioned. The last one I got said the card would come with a $35k credit limit. This is definitely not the norm though.

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Pre-approvals with a credit limit !

That is a feature none of my CU's provide.

Nice to know it exist.

[Peteyglad]

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@Kforce wrote:

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@Peteyglad wrote:

Generally  bank will not be able to give you a credit limit without you first applying for the card. The only instance I have seen different than this is my local CU. They will occasionally send me preapprovals with a credit limit mentioned. The last one I got said the card would come with a $35k credit limit. This is definitely not the norm though.

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Pre-approvals with a credit limit !

That is a feature none of my CU's provide.

Nice to know it exist.

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To be fair I have my mortgage and a car loan through them currently and a closed motorcycle loan so needless to say they know me

[Hex]

Capital one has been known to give nice high limits on Venture and Savor but it’s no guarantee and there’s an annual fee for each of them. Also it’s 3 HP’s to apply. I would recommend you check the prequal first.