@Anonymous wrote:I saw an AMEX Card (BCE) give a 10k limit to someone that had 1 cc with a 1500 limit but they have also perfectly paid student loans and car payments for 6-7 years. They made 50k a year, 740 credit score. In your case maybe look at AMEX Every Day card as it could be generous enough.
As @FinStar stated well earlier, even that is only going to be a guesstimate. DW had 25+ years of flawless credit history, AAoA of around 13 years, 0 inquiries, scores in the 770s/780s, income in the 200s, and average credit lines around $20k at the time. A month after NASA FCU gave me a $15k starting line (with AAoA around 9 years, a number of INQs, scores barely over 700, and average credit lines around $6k), they gave her a $1000 starting line (now closed). She had been an AU on 3 of my Amex cards for about 14 years that had seen nearly all of our spend during those years - her first Amex card was the EveryDay, and she was approved for $2000 (now $42,700). (FWIW, her last 3 approvals a year later were all $23-27k from NFCU, Amex, and Chase, so those were certainly not normal starting lines.)
No matter how good your profile is, lenders can and will surprise you. On the other hand, no matter how bad your profile is, lenders can and will sometimes surprise you. I would agree that (if eligible for membership) NFCU is likely the safest bet on a large starting line with a clean profile.
Everyone has their opinion or anecdotal evidence but as a data point and to dovetail from what Creditaddict says, I just got approved for a Venture One SL of $15K with a CH13 BK still showing (D/C in Nove 2017). I did already have my bank accounts and a QS1 ($3k SL now $3500) with a flawless payment record since Dec 17 with CapOne, and a Discover with an $800 SL so that may be part of it but the fact my FICOs were 648-TU to 668-EXP, I did not have a hit on a pre-qual check and decided to just blindly app for it, that SL is pretty good and way above what I expected. I only had the one HP on each CB though so I haven't been apping cards since Dec but I did do Ollo and V1 at the same time. As always YMMV.
