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High Limit Credit Cards?

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Nan425
New Contributor

High Limit Credit Cards?

I have a Fico score of 670, I am looking to apply for  a credit card with high limit. What is a credit card company that is known for giving high starting limits (about $5K or more)? My fiancee has Fico score of 705, what card could he apply for that has a good chance of giving high limit?

Message 1 of 13
12 REPLIES 12
cs91
Regular Contributor

Re: High Limit Credit Cards?

If either of you have the ability to obtain membership, USAA and NFCU can be very generous with initial credit limits.
Message 2 of 13
myjourney
Super Contributor

Re: High Limit Credit Cards?

Sorry but no one can say any company will give high limits. Wish we could but it doesn't work that waySmiley Wink

We can steer you toward the cards you maybe approved for and still that depend on a lot of factors starting with your CR's and history,

 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 3 of 13
juggalo9er
Valued Contributor

Re: High Limit Credit Cards?

credit unions

Message 4 of 13
lg8302ch
Senior Contributor

Re: High Limit Credit Cards?


@myjourney wrote:

Sorry but no one can say any company will give high limits. Wish we could but it doesn't work that waySmiley Wink

We can steer you toward the cards you maybe approved for and still that depend on a lot of factors starting with your CR's and history,

 


+1

maybe CUs ?....high CLs take time building a relationship with a lender  and good payment history..it does not come overnight Smiley Sad....patience patience patience

Message 5 of 13
coldnmn
Mega Contributor

Re: High Limit Credit Cards?

It all depends on your whole file AAA baddies etc. When I got back in the CC game I had a 685 score got a few denials finally getting a $300 card from Cap1. Since joining the forum in 4 years I am where I am now. Like others have said a credit union, USSA  anf NFCU you have the best chance. Good Luck in your credit journey.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 6 of 13
phonic
Contributor

Re: High Limit Credit Cards?


@cs91 wrote:
If either of you have the ability to obtain membership, USAA and NFCU can be very generous with initial credit limits.

AFAIK, anyone can get USAA financial products (banking, credit, brokerage, etc.). Only their insurance products have the military/legacy requirements.

 

 


Limits: PRG=NPSL, CSP=$16k, BCP=$30k, DIT=$15k, USAA=$6k, CDW=$12.5k, IHG=$9k, BBY=$2k, BOA=$13k
Message 7 of 13
Creditaddict
Legendary Contributor

Re: High Limit Credit Cards?


@phonic wrote:

@cs91 wrote:
If either of you have the ability to obtain membership, USAA and NFCU can be very generous with initial credit limits.

AFAIK, anyone can get USAA financial products (banking, credit, brokerage, etc.). Only their insurance products have the military/legacy requirements.

 

 


not true... they changed that if im not mistaken (credit card)

Message 8 of 13
yudeology101
Senior Contributor

Re: High Limit Credit Cards?


@Creditaddict wrote:

@phonic wrote:

@cs91 wrote:
If either of you have the ability to obtain membership, USAA and NFCU can be very generous with initial credit limits.

AFAIK, anyone can get USAA financial products (banking, credit, brokerage, etc.). Only their insurance products have the military/legacy requirements.

 

 


not true... they changed that if im not mistaken (credit card)


+1,  I am a non-military member and although I am a member it says that I'm not eligible for banking or any credit card products. 

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
Message 9 of 13
clocktick
Valued Contributor

Re: High Limit Credit Cards?

I agree with credit unions but regarding the big (non-military) lenders, I would have to say I've gotten pretty decent starting limits with Citibank on all of my cards with them. 

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


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Message 10 of 13
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