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High limit Credit Cards...

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Gmood1
Super Contributor

Re: High limit Credit Cards...

Have you considered USAA? IME, the limits grow fast and they're generous with CLs. 

Message 21 of 33
Anonymous
Not applicable

Re: High limit Credit Cards...

Hey there! I am in a similar situation, (19 yo college student, similar income). 

 

As far as getting a higher CL on USAA, it's going to be pretty difficult if you are anything like me. If you haven't found out already, USAA CLIs are HPs. I got my USAA card when I turned 18 ($500 SL), took the HP 6 months in to get to $1500. That was over a year ago, and they won't approve me for a CLI now, but I've been able to get $5k SLs from other lenders. As a result I do not use this card much, and probably won't any time soon. 

 

My advice to you would be to maybe try to get a card from Amex since they are much nicer when it comes to CLIs. I like my BCE, because I use it for gas and groceries, it is used multiple times per month but carry less than 9% util. Also when I got it they allowed me a 0% interest BT, which I used and then payed off in 2 months. 

Message 22 of 33
EAJuggalo
Established Contributor

Re: High limit Credit Cards...


@Shooting-For-800 wrote:

I would look at prequal for Venture. 

 

Chances are if you prequal for a low interest rate, you will get a high limit.

 

 


20 years old. Can't Pre-qual.  I would personally look at Discover, or Quicksilver.  No AF and can grow decently with soft pulls.  If you're a 20 year old Pre-Med it's going to be a number of years before you can really take advantage of some of the travel cards to justify the Annual Fees.

EX700 TU 704 EQ 694 4/03/22
Cap1 QS-$4,500 Chase Freedom Flex- $800 Chase Freedom Unlimited- $1,000 Victoria's Secret- $1,200 Citi DC- $800 Amazon Store Card- $3,500 AMEX Hilton Honors-$1,000 Discover It-$1,000 Wal-Mart MC $290 Chase Sapphire Preferred-$5,000 NFCU Flagship $13,800 AMEX BCE-$1,000 AMEX Gold-$5,000 AMEX Delta Blue $1,000 Lowe's $5,000 Navy Platinum $17,000 AMEX BBP $2,000
Message 23 of 33
Anonymous
Not applicable

Re: High limit Credit Cards...

Thanks@RKFergus. Good info on USAA. I’ll start putting more emphasis on my other card.
Message 24 of 33
Anonymous
Not applicable

Re: High limit Credit Cards...

@EAjuggalo thank you!
Message 25 of 33
Anonymous
Not applicable

Re: High limit Credit Cards...

@Gmood1. You’re inspirational lol! Awesome!
Message 26 of 33
Anonymous
Not applicable

Re: High limit Credit Cards...

@Creditinspired Thank you!
Message 27 of 33
HeavenOhio
Senior Contributor

Re: High limit Credit Cards...

I think you're in an excellent position to apply for an AMEX revolver.

Message 28 of 33
Anonymous
Not applicable

Re: High limit Credit Cards...

Thank you HeavenOhio!
Message 29 of 33
Anonymous
Not applicable

Re: High limit Credit Cards...

Above all have fun in life. 

Message 30 of 33
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