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Want to get ...

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s_rob7488
Regular Contributor

Want to get ...

Would like to get a card that has a limit of over $5000 closer to $10000 would be awesome. I just got the CSP with $5000 limit and have a credit score of 735. I also have a WF $4700 discover more $1000. Annual income 40000. Suggestions would be great
Message 1 of 14
13 REPLIES 13
clocktick
Valued Contributor

Re: Want to get ...

Personally, I see Amex, GE and Citi giving decent credit limits - especially Amex on their revolving of course.  Even without a 5-figure starting limit, the CLIs can easily get you there.  I almost forgot, Barclays will too in my experience.  As always, YMMV.

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


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Message 2 of 14
boomhower
Valued Contributor

Re: Want to get ...

A credit union is your best bet.  If you have an in with Navy that is where you want to go for large CL's.

Message 3 of 14
LS2982
Mega Contributor

Re: Want to get ...


@boomhower wrote:

A credit union is your best bet.  If you have an in with Navy that is where you want to go for large CL's.


+1




EQ FICO 548 3/3/16
Message 4 of 14
Anonymous
Not applicable

Re: Want to get ...

I would reccommend you get the Chase Freedom, High limits and decent rewards.

Message 5 of 14
navigatethis12
Valued Contributor

Re: Want to get ...


@Anonymous wrote:

I would reccommend you get the Chase Freedom, High limits and decent rewards.


Since s/he just got the Chase Sapphire Preferred at $5000, that may be all they are willing to give him/her right now since that is the minimum. There is no harm in trying, but I doubt it would get approved at over $5000.

 

American Express might be a good choice; there have been a lot of people with over $10,000 starting limits. Mine started at $10,000 when at the time my highest was $2380.

Message 6 of 14
s_rob7488
Regular Contributor

Re: Want to get ...

ny CU you recommend? I am a member at a local one but they most definitely don't have credit cards!
Message 7 of 14
Anonymous
Not applicable

Re: Want to get ...

AMEX Revolver or NFCU.

NFCU loves to give out enormous lines right off the bat, but you just need the "in".

Message 8 of 14
Open123
Super Contributor

Re: Want to get ...


@navigatethis12 wrote:

American Express might be a good choice; there have been a lot of people with over $10,000 starting limits. Mine started at $10,000 when at the time my highest was $2380.


Most issuers tend to avoid being the "first" to give you a high CL, but Amex seems more willing than most.  I've seen many instances where starting CLs from Amex go from $10K and up.

 

NFCU always seem to offer high CLs, but you have to be a member which requires some kind of military affiliation.

Message 9 of 14
s_rob7488
Regular Contributor

Re: Want to get ...

That begs the next question... amex blue or blue cash preferred?
Message 10 of 14
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