Have you tried lender's pre-qualification site, e.g. Disover, AmEx, etc?
Who you bank with? Do you have a credit product with them?
CU's to join for Savings Rate now and possible Credit Products later!
Without knowing who your card issuers are and what your scores were like when you got them, you very likely are bucketed, and those cards will never grow much more. However, with 2+ years of positive history, good scores, and high income, you should be able to access higher limits going forward. A major issuer would likely get you into the 5-10000 range for a new application, with growth opportunity from there.
@Anonymous wrote:The pre approval sites- I tried capital one and discover but it doesn't show how much I'd be approved for. Is there a pre qualification site? Is it a hard pull?
I'm with Bank of America and no.
The majority of lenders do not disclose the starting limit. Apple or BB&T may show a starting limit.
If you apply, yes, it will be a hard pull inquiry. If it's for pre-qualification, no it is not a hard pull inquiry.
BoA pre-qualification site isn't really a pre-qualification site. It's more like a recommendation.
I would recommend you do your due diligence. Research which credit products fits your needs, e.g. low APR, cash back, travel, points, etc.
If you have questions, feel free to ask and members will guide you along.
I would recommend reading the below from credit_is_crack
The "Which Banks Pull Which Report For Apps" list
@Anonymous wrote:Thanks to all for your help!
BoA has a selectable category cash rewards card, 0% purchase APR, $200 sign up bonus that may interest you. https://www.bankofamerica.com/credit-cards/#filter
Also, CLI Credit Limit Increase request are SP Soft Pull, which is a nice perk. For your reading pleasure BoA to stop HPs for CLI’s
@Anonymous I would def go for a BOA Card. Since you bank with them and have a deposit relationship and I am sure your salary goes there. I would think you would get at least a 3K or more SL. But of course check all your options and prequalified offers as well. BOA may not have had any offers due to your previous file being dirty.
@Anonymous wrote:Hello,
My scores just went up to 774,778,780 (Eq, Tu, Ex) after having removed some collections but my two credit cards that I have are both small limits. One is $750 the other $1150. I worked both of them up from $500. My question is even though my income is over 100k will I only be approved for cards that are $1,000? The only "negative" on my report at the moment is that my credit cards are all under 4 years old (2 ys and 3ys 6mo) Other than that my utilization is 1% .
Having cards under 4 yo is not a negative
. 100k opens alot more doors than a low income so those big limits will come. Just depends on lenders you choose to pursue, what cards and rules you must follow, and time. Best of luck