@getgudcredit wrote:Longtime lurker here. I can't seem to get the type of luv you guys seem to get with some of your CLI's. I have all three scores in the 800's, income is substantial, I haven't had an inquiry in 4+ years, 3% utilization or less, AAOA 9+ years.
Here's the cards I'm complainging about (since I see other posts with crazy high limits) and at the bottom are the cards that I'm okay with:
Amazon (Synchrony) is at $6k - originally at $2k (heavy use) - this one bothers me the most.
Paypal (Synchrony) is at $1,750 - was originally at $1k but had two recent CLI's approved (heavy use).
Chase Freedom - $5,400 - originally at $4k.
Walmart/Capital One - $5,500 this one stopped giving me increases when Cap1 took over.
Bestbuy/Citi - $3,000 - been stuck here since I opened it.
Capital One Graduated - $1,750 (previously $500 secured, graduated with $1k limit and it's been at $1,750 for YEARS and I pay an annual fee because, at 10+ years, it's my oldest card that I started my credit repair journey with).
The ones I'm not complaining about:
NFCU - $23k
Discover - $21k
Citi - $8k
Is it that my cards just suck/are outdated? The majority came from when I was working on my credit 10+ years ago.
I'm not as knowledgeable as most of the regulars on here, although I learn more and more each day.
Have you requested any credit limit increases on any of the cards? If so, you should, but also be weary that Citi may do a hard pull on your credit. Capital One does CLI soft pulls.
Have you also considered product changing/upgrading your Capital One card? Also, applying for a new credit card wouldn't hurt and you'd be more likely to get a better SL.
Did you update your income across all lenders? If they see your income has increased, they may be more willing to give you an automatic CLI.
That's all the knowledge I am confident in giving. Hopefully others such as @SouthJamaica @Aim_High @Remedios can help!
@getgudcredit wrote:Longtime lurker here. I can't seem to get the type of luv you guys seem to get with some of your CLI's. I have all three scores in the 800's, income is substantial, I haven't had an inquiry in 4+ years, 3% utilization or less, AAOA 9+ years.
Here's the cards I'm complainging about (since I see other posts with crazy high limits) and at the bottom are the cards that I'm okay with:
Amazon (Synchrony) is at $6k - originally at $2k (heavy use) - this one bothers me the most.
Paypal (Synchrony) is at $1,750 - was originally at $1k but had two recent CLI's approved (heavy use).
Chase Freedom - $5,400 - originally at $4k.
Walmart/Capital One - $5,500 this one stopped giving me increases when Cap1 took over.
Bestbuy/Citi - $3,000 - been stuck here since I opened it.
Capital One Graduated - $1,750 (previously $500 secured, graduated with $1k limit and it's been at $1,750 for YEARS and I pay an annual fee because, at 10+ years, it's my oldest card that I started my credit repair journey with).
The ones I'm not complaining about:
NFCU - $23k
Discover - $21k
Citi - $8k
Is it that my cards just suck/are outdated? The majority came from when I was working on my credit 10+ years ago.
Amazon and Paypal should both be able to grow to $10,000 with SPs. Chase Freedom will have to be a call in to a CSR to request a CLI. It will he a HP, possibly two and they would probably give you an increase as long as you have used the card at least a decent amount. Walmart is very stingy since Cap1 acquired the portfolio, I would not expect much of any increases with that. Your Best Buy card will be an EQ HP for a CLI, but most people have reported success with that one, again as long as there has been decent use. Your Cap1 graduated card is bucketed and will likely have virtually no growth, no matter how long you have it or how much spend you run through it. That is just the nature of that product. It was likely opened as something called an asset backed security, and it simply not set up to have growth potential, unfortunately. The cards you're talking about are just not ones that typically grow to high limits like you see others have. If you want cards with high limits, you need to research what fits your spend and go from there. With your FICO scores and income, I would think that AMEX might be a good fit for what you're looking to do. They have great growth potential if you give them their swipes and PIF. For store cards, the Macy's card or Lowe's card have quick and steady growth potential up to $25,000 and $35,000 respectively. There are plenty of others out there too, but the ones you're trying to grow such as Sync, Cap1, and Citi (BBY) are just not the ones to try and get monster limits out of.
Just call in and ask for CLI's, your scores and income should back it up and it looks like you can afford a few hard pulls if necessary. I dont see any AMEX cards, they might give you the high limits you want without waiting very long.
Starting Score: 512
@SaintMortichai wrote:
@getgudcredit wrote:Longtime lurker here. I can't seem to get the type of luv you guys seem to get with some of your CLI's. I have all three scores in the 800's, income is substantial, I haven't had an inquiry in 4+ years, 3% utilization or less, AAOA 9+ years.
Here's the cards I'm complainging about (since I see other posts with crazy high limits) and at the bottom are the cards that I'm okay with:
Amazon (Synchrony) is at $6k - originally at $2k (heavy use) - this one bothers me the most.
Paypal (Synchrony) is at $1,750 - was originally at $1k but had two recent CLI's approved (heavy use).
Chase Freedom - $5,400 - originally at $4k.
Walmart/Capital One - $5,500 this one stopped giving me increases when Cap1 took over.
Bestbuy/Citi - $3,000 - been stuck here since I opened it.
Capital One Graduated - $1,750 (previously $500 secured, graduated with $1k limit and it's been at $1,750 for YEARS and I pay an annual fee because, at 10+ years, it's my oldest card that I started my credit repair journey with).
The ones I'm not complaining about:
NFCU - $23k
Discover - $21k
Citi - $8k
Is it that my cards just suck/are outdated? The majority came from when I was working on my credit 10+ years ago.
I'm not as knowledgeable as most of the regulars on here, although I learn more and more each day.
Have you requested any credit limit increases on any of the cards? If so, you should, but also be weary that Citi may do a hard pull on your credit. Capital One does CLI soft pulls.
Have you also considered product changing/upgrading your Capital One card? Also, applying for a new credit card wouldn't hurt and you'd be more likely to get a better SL.
Did you update your income across all lenders? If they see your income has increased, they may be more willing to give you an automatic CLI.
That's all the knowledge I am confident in giving. Hopefully others such as @SouthJamaica @Aim_High @Remedios can help!
All of the cards OP is "complaining about" are cards I don't have. So how should I know?
Welcome to My Fico Forums, @getgudcredit. 
I'll chime in after the tag from @SaintMortichai but like @SouthJamaica, I don't claim a lot of direct knowledge trying to grow any of these particular cards. However, I have had some of them before and I have general knowledge about the lenders-in-question and some of the mechanisms behind credit limits that could be helpful.
.
Your situation is somewhat interesting. You've eliminated (some) of the factors I would have questioned.
@getgudcredit wrote:
- all three scores in the 800's
- income is substantial
- (no) inquiry in 4+ years
- 3% utilization
- AAOA 9+ years
To start, I would ask/comment:
- Are those all FICO scores? You're probably aware that Vantage scores often promoted on Credit Karma and through other credit monitoring services can be very different from FICO and that FICO is used almost exclusively in underwriting. And are they FICO 8/9 or some other model?
- "Income is substantial" is somewhat vague, but providing only that broad statement misses the opportunity for us to help determine if it is a factor. Obviously, most of us don't want to be highly specific for privacy purpose, but a little more detail would help. From my personal experience over the years, I know that what one person would consider substantial is subjective and changes over time. Money is a *major* factor in credit limits and that is often expressed as either income, assets invested, or heavy spend-and-pay to include business-reimbursed spend. As for income, many lenders limit total credit exposure per consumer as a percentage of total income.
- The other "elephant in the room" that is missing is debt. If "income is substantial" but that income is heavily leveraged by debt such as a high mortgage payment relative to that income, car loans, personal loans, or student loan debt, then a lender's comfort level will adjust that total credit exposure downward accordingly to mitigate risk. Providing us with a general "debt-to-income" ratio would be very helpful. (Total monthly debt payments including the reporting card utilization, mortgage or rent, loans etc divided by gross monthly income.)
Overall, your credit profile sounds very solid and I commend you for your restraint in pursuing new credit lines for four years. You don't state whether you've asked for any CLIs or if you're just waiting on auto-CLIs?? Your long-term gardening makes me wonder if you've been concerned about generating a hard pull and if you're waiting on the lender to just raise your limits. Sometimes this works. Sometimes this doesn't. Heavy spend may help generate an auto-increase, but not always. (This is where some of the factors we discussed above come more into play.) And some lenders normally soft-pull to increase your credit, including Citi and Capital One.
For generalities, some cards tend to have lower limits based on how a lender expects it to be used. Even with heavy usage, they just may never grow as large as other cards. Capital One uses a concept called "Asset Based Securities" which is discussed more-in-depth at >this link<. When their cards are issued to subprime profiles such as yours was 10+ years ago, they are known to often be "bucketed" which may prohibit or limit their growth.
The next question is how heavily are you using these cards? You mention "heavy usage" only on the two Synchrony cards, but similar to the income question, what do you consider "heavy usage" as the percentage of existing credit limit used on a monthly/six months/annual basis? Usage of the existing limit is another *major* factor with many lenders in raising your limit, especially if you're waiting on auto-increases.
Let's start with the 10+ year Capital One card with the AF, opened as a secured card and now sitting at only $1750. Just close it. It's not useful to you any longer except for the account age. However, most cards will continue to report for up to ten years (sometimes even longer) after they are closed. By the time it drops off your credit report, the impact on age will be negligible if any. If this was a higher limit card or you were carrying debt, I would caution against the closure due to the immediate impact on utilization, but neither is applicable here. And the AF is just a hole in your wallet. Your previously-secured card may also fall into that "ABS" model above. It served its' purpose, but it's time to move on.
If you're using the Chase Freedom on just the quarterly 5% rotating categories (capped at $1500 per quarter or $6K annually), or the Best Buy card just at Best Buy for a limited amount of the credit line, or the Walmart card just at Walmart for a limited amount of the credit line, your spending patterns wouldn't motivate a lender to give you a higher limit. Those three cards have $3K to $5.4K limits which is more than sufficient for lower levels of spending. We talk about rewards on My FICO and we talk about credit limits, but sometimes those two goals are counterproductive. If someone wants a higher limit, they may need to be willing to forgo some rewards and put heavier spend on a card. I have done this periodically and see it as part of the trade-off to work to higher limits, but there are others on My FICO who would see any "sacrifice" of rewards as heresy! Lol 
Synchrony has tripled your original $2K limit on the Amazon store card to $6K. That is decent growth! Do you really spend more than $3K to $6K a month at Amazon where your individual utilization would start to hurt your credit scores? I ask this because, while I've never had this card, I don't remember seeing it grow to crazy limits and most members have to work it over time (like you are doing) to get it up to even $10K. Since it has a narrow purpose, I don't think it's designed to give out super-high limits.
The Synchrony-PayPal card has grown also, so maybe just giving it more time will solve the issue. You mentioned being in the rebuild. How long have your scores been in the 800's? Have you had major score gains in the past two-three years or had prior derogatories drop off? Those would have impacted the growth until recently, if that is the case. Once your profile improves from prior damage, it still takes time for lenders to warm up and give you more credit. It doesn't happen immediately.
But it could also be that Synchrony doesn't like something about your profile. And this brings up another side topic related to the rebuild. What sorts of credit derogatories did you have such as late pays, collections, or bankruptcies, and were any of these lenders included in any of those? While the "data" may drop off your credit report, individual lenders may still have records of that prior history.
I've thrown out a lot of food-for-thought and general information about credit limit increases. It may apply; it may not, but it's all just something to consider. If you'd like to give us more of the details above, we might be able to help further. If not, I hope it was helpful to you personally and again, welcome to the forums.
@getgudcredit wrote: Is it that my cards just suck/are outdated? The majority came from when I was working on my credit 10+ years ago.
That is the main factor to your frustration for sure!
If you have Prime try Chase Amazon Prime, they are giving out high SL these days.
FNBO is a very good bank/card. Can grow to 25K with SP easy
AMEX can grow to 35K SP
New X1 Card gives very high SL
The older cards that you have are helping your Fico score so they are still usefull.
CYBERSAM, Amex can grow into the millions with a soft pull; that $35k mark is often touted as when income verification is asked for (not necessary the case, many people get it before that mark and lots get it at much higher levels or never), but there's never a HP.
OP, for your Synchrony cards you may do best to call Credit Solutions (the number is in the phone number thread) as they can make immediate decisions and you can typically get more than most cards get capped at on their website.
Chase you'll need to call and ask, and expect a hard pull.
Best Buy card you can ask online. Usually a hard pull for Citi retail cards, but sometimes not.
The CapOne cards may just be stuck; that is common. They do like a lot of spend.l for increases.
Simply put , by asking. Something is in your profile that's holding you back because after 10 years, with scores like yours and high income, the credit world is your oyster. Might be as simple as you not asking, most in the general public do not, or you aren't utilizing the right lenders. You love Amazon,with high income ou might be better suited for a Chase Amazon card as they now seem to be handing out huge limits for that card. @Aim_High has great debts in his post as usual. Your biggest plus right now might not be your profile but that you are now utilizing the credit seekers Guide to the Universe.....myFico Forum😆
