In need of higher limit cards!

[Anonymous]

RIght now I have 4 credit cards:

1) Capital One Secured $500   Aug 2014

2) US Bank LifeMiles $300       Aug 2014

3) Barclay $1250                      May 2015

4) Chasee Freedom $2200      May 2015

My util is between 12-17%

Latest FICO 8 scores: EQ 668  2 inq TU 9 inq 664 EX 653 2 inq

I have 3 unpaid collection from 2011 and student loan lates. 

I keep checking Cap One for any pre-qual offers and no luck. I really need a higher limit card and not sure where to start. I know Venture is first that comes to mind. Any suggestions would be appreciated happy holidays!

[Anonymous]

Any reason why you need a higher limit? Or is it just to say "I have a 10k limit"

[Anonymous]

I find that Bank of America gives generous limits. Do you plan on using it for a balance transfer?

[Anonymous]

Your credit profile, scores and income determine what limits you are given.  If you want higher limits improve those. 

[Anonymous]

Hello

With collections will be tough. If they are open, any way you can settle them?

[elim]

strange no Cap1 prequal... could be some other error.   I think i would try QS first.  Only way to find out is to app.

[NRB525]

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@Anonymous wrote:

2) US Bank LifeMiles $300       Aug 2014

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Go into a US Bank branch and apply for a card there. With over a year of history with them, you may be able to get a decent unsecured card.

[Anonymous]

Your TU is a bit low for a Barclay CLI, but if you use the card frequently and make large payments, when the card hits one year you may get a good CLI from Barclay if your TU goes up a bit in the meantime. It also depends on how recent your other lates are. I know it can be frustrating and I hope it works out well for you.

[Skye12329]

The collections and lates is what might prevent getting higher limits at this time.

[creditguy]

Don't we all need or should I say want higher limits. I got higher limits when I built my file and scores, it doesn't happen overnight and nothing is guaranteed. I'm not sure what type of limits your looking for but Venture can start as low as $5k so that may not be the soloution. Honestly with your AAOA, scores and unpaid collections you may not be on higher limit radars for a while. No one can tell you with any certainty what kind of limits you'll get, so choose your HP's wisely, or just garden for a while and clean up your collections and you should be looking good for those higher limits.