@ChiTownTony wrote:Yes Discover denies me all the time because I rarely use the card which is understandable.
I could look into Chase. That would be promising it seems. Thanks for the input.
If you are looking for a card with just a high limit and nothing exceptional as far as rewards goes, people have reported some pretty high starting limits with FNBO, and their pre-qual is a soft pull and will also let you know what your SL and apr would be.
Very true, excellent point!
@SDMarik wrote:
@ChiTownTony wrote:Yes Discover denies me all the time because I rarely use the card which is understandable.
I could look into Chase. That would be promising it seems. Thanks for the input.
If you are looking for a card with just a high limit and nothing exceptional as far as rewards goes, people have reported some pretty high starting limits with them, and their pre-qual is a soft pull and will also let you know what your SL and apr would be.
https://www.fnbo.com/personal-banking/credit-cards/
How accurate is the pre-qual? I just tried it and it stated I pre-qualified for the Evergreen:
Apply for this card, and your benefits could be:
Credit Limit APR1 Annual Fees
$12,500.00 14.99% $0.00
And the Getaway:
Apply for this card, and your benefits could be:
Credit Limit APR1 Annual Fees
$12,500.00 15.99% $0.00
820+
From the data points I have seen on here, it seems to be pretty solid. When issuers commit to a hard APR like that it is usually a pretty good sign, and based on your profile I would assume that to be pretty reliable.
I'm sure @FinStar has seen this come up on the threads way more than I have, so he might have some more input on this than I do.
If you pull the trigger, let us know how it goes!
It's fairly reliable. Obviously, nothing is 100% guaranteed, but if you're interested, it's a HP on Experian. If your profile can support the approval, that's pretty much the CL you'd be approved.
Thanks very much. My EX FICO 8 is sitting at 817. I may go for this come May.
I appreciate everyone's input.
@ChiTownTony wrote:Regions
I wouldn't waste a hard pull on a CLI with them. With your excellent credit profile you should be able to get a top of the line cash back or rewards card from any bank you choose, with a substantially larger credit limit than any you've got now. So IMHO you should decide whether you want cash back or travel rewards, and go with a top of the line card from Chase or Citi.
@SDMarik wrote:If you pull the trigger, let us know how it goes!
I think I will try come the first of May