I'd be happy with at least one Visa/MC to cover. I tried the CapitalOne prequal and got recommended for another Quicksilver and SavorOne. I think CapitalOne doesn't like me. lol I did try maxing out the 2250 limit one and paying it off right away a couple times, hoping they'd automatically bump the limit but so far nothing even when requesting online.
@ajcredit wrote:I have several cards with the newest approx 2 years old. I've been trying for several years to get at least one high limit card for large purchases I make from time to time. I have a few cards at $10k, but never seem to be able break past that limit. I regularly rotate and use them up to 5-6k and pay them off within a month or 2. I do have a small >$1k balance on the report but that's just due to purchases close to billing cycle. I am really hoping for something in the $20k range as that serve all my needs. Any suggestions on how to go about requesting that sort of limit or what companies might be more apt to give that sort of limit?
My stats are within a stones throw of yours so here's my recommendations from experience.
The one card I have that started low and grew the fastest was BoA AAA Visa(SL $3500 to $84.5K). While they don't offer this particular affinity Visa anymore, any of their cards should be under the same UW criteria. This was also my first card to break a $20K CL threshold.
Another one that grew quickly for me was my Elan Visa. You may try for one of their products as my first $25K SL was their Max Cash MC.
As recommended by others, the 1st Tech Odyssey MC offers a minimum $25K SL. You should fit their criteria from what I've read around here.
One other question is what is your Average age of accounts and age of newest account? Reason I ask is because it seemed like I hit a certain time milestone in my credit profile and just like that I started getting SL's from $20K to $35K. Amex took seemingly forever to warm up to me, but once the doors opened, they've been great! They generally don't require a ton of spend to get higher CL's either but it doesn't hurt.
As far as your line up, I'd forget about Cap One for now... They can grow with a ton of use, but their algorithms make even this very hit and miss. Not worth the effort IMO. Citi isn't quite as much of a headache as Cap One when growing limits, but they tend to be more conservative than others.
Chase has been pretty generous lately with their Amazon Visa, so I'd try for a CLI there to begin with. I've personally taken my Chase cards over 70% of their limit, PIF and received auto CLI's. Make sure to update your income with Chase also whether it's changed or not! Chase gave me a $35K SL on Amazon, so I know they grow big.
Discover is another one that loves tons of swipes and should grow pretty well with your spend and stats. May not be V/MC but Disco is a great spending tool to have at your disposal.
Do you bank with the "local CU" that your card is from? Reason I ask is that CU's generally have a preference for this kind of realtionship. Also some smaller CU's will actually let you sit and talk to a decision maker in underwriting which may be able to help things on that card.
BTW, 
The $10k from my little local CU is the max they offer for non-business accounts. I went to them shortly after the new job and they set me up with that. I am going to try to work on the Amex CLIs, but I really need a Visa/MC for my uses. I might wait a couple months so all the inquiries drop off from the Mortgage shopping as I've see that listed a reason for CLI denial as too many inquiries.
@ajcredit escribió:The $10k from my little local CU is the max they offer for non-business accounts. I went to them shortly after the new job and they set me up with that. I am going to try to work on the Amex CLIs, but I really need a Visa/MC for my uses. I might wait a couple months so all the inquiries drop off from the Mortgage shopping as I've see that listed a reason for CLI denial as too many inquiries.
I've seen it mentioned a few times in this thread but, if you can get in, I'm definitely +1 on NFCU products. In some cases, they need to get to know you a little bit, but the process is quick, and they don't have the nickname "the house of high limits" for nothing.
