@GraceAndGratitude wrote:What are the odds of me obtaining High Limit Credit Card💳 with a thin file? Preferably Credit Unions. I want to do a cc spree.
EXPERIAN FICO 8 758
Bankcard FICO 2 : 824
Only 1 revolving/ cc w Capital One for 7 yrs low $600 starter limit (probably bucketed 😏) 100% pymt history
2 Student Loans 26K & $3,500 💯pymt history
New Auto loan 5 months Excellent 100% pymt history
I am eyeing First Tech Federal Credit Union
What do you consider a "high limit"?
@Horseshoez wrote:
@GraceAndGratitude wrote: What are the odds of me obtaining High Limit Credit Card💳 with a thin file?What do you consider a "high limit"?
+1 ^ ^ Exactly.
From your credit file perspective, some might consider $5K a high limit. On averages across the credit industry limits, $10K+ is considered a high limit. Others might want $25k, $50K, or $100K or more before they consider it "high."
@GraceAndGratitude wrote:What are the odds of me obtaining High Limit Credit Card💳 with a thin file? Preferably Credit Unions. I want to do a cc spree.
EXPERIAN FICO 8 758
Bankcard FICO 2 : 824
Only 1 revolving/ cc w Capital One for 7 yrs low $600 starter limit (probably bucketed 😏) 100% pymt history
2 Student Loans 26K & $3,500 💯pymt history
New Auto loan 5 months Excellent 100% pymt history
I am eyeing First Tech Federal Credit Union
Welcome to My Fico Forums, @GraceAndGratitude. 
Depending on your definition of high limits, the odds may be greatly against you based on the profile you provided. All high scores are not equal so that only takes you so far. With a thin file and one low revolving limit, to get high limits you need either:
- A LOT of assets invested somewhere so that exceptions might be made
- A LOT of VERY high income with heavy spend-and -pay on credit cards or
- A LOT of time building a thicker more developed credit file.
Sorry I don't have better news but for most of us, there is no substitute for doing it the old-fashioned way with time and hard work building up limits gradually.
@GraceAndGratitude wrote:2 Student Loans 26K & $3,500
New Auto loan - 5 months
Keep in mind that while it's not part of your FICO score, Debt and especially DTI (Debt-to-Income ratio) are major factors in how much credit a lender will approve. Depending on the auto loan, it looks like you might have somewhere between $50K and $100K in debt. Unless your income is well above average, that may be a significant DTI loading.
Lenders are funny in that they are more generous in approving credit for people who don't really need it! Lol ... go figure 
Not really sure. Welcome to the forum. 🥳🥳The mods may move this over to CC Applications or Credit Cards. Good luck with your process. 🙏🏻
Starting Score: June 2020: 502
@Aim_High wrote:Lenders are funny in that they are more generous in approving credit for people who don't really need it! Lol ... go figure
The whole credit conundrum is bizarre; on one hand one often hears, "Never apply for credit unless you need it", while on the other hand one often hears, "The best time to apply for credit is when you don't need it." Personally, I am inclined to subscribe to the latter; the former makes no sense at all to me.