cancel
Showing results for 
Search instead for 
Did you mean: 

What cards have the highest minimum starting limit?

tag
NoHardLimits
Established Contributor

Re: What cards have the highest minimum starting limit?


@Aim_High wrote:

@unsungivy wrote:

As an aside: it's not his 40+ years credit history that shows @Aim_High's age, it's his double-spacing after periods. 🤣


Dag nabbit, @unsungivy, get off my lawn!   Smiley Tongue

 

Grumpy_Old_Man.jpg

 

Now, seriously, do you want my 10th grade TYPING (yes, not KEYBOARDING) teacher to roll over in her grave?  If I stop with the double spaces it's all on you.  She might even come back to haunt you. 

 

Truthfully, that is indeed how I learned to type and now anything else just would seem improper, just like the younger generation might find anything but a single space improper.  Until you pointed it out, I think it might have been only the second time I've even heard about the slow shift, and now you've made me self-conscious about it!  Smiley Embarassed  But a quick web search shows it's been a very gradual change that has only recently been widely accepted by style manuals even including the holdout APA (American Psychological Association) in 2019 and Microsoft in 2020, only four years ago.  In 2018, there was an article in The Atlantic magazine, "The Scientific Case for Two Spaces After a Period" (James Hamblin) with a subtitle: "A new study proves that half of people are correct. The other is also correct."  Lol  Smiley LOL  Several articles point out that although the style guides have generally sided with the single space as the more current and accepted choice, there is leeway for double spacing if it is a student's instructor's preference or  .... if it is a personal choice in non-formal writing.  I choose the latter!   Smiley Wink  Anyway, I'm too old to retrain my hands for typing like that. 


I'm a Boomer, and I plan to continue my old-fashioned double spacing.  

June 2025 Scorecard: Clean, Thick, Mature, New Revolver
FICO8:
FICO9:
VantageScore3:
Inquiries (n/12, n/24):
AAoA: 11 yrs | AoORA: 37 yrs | AoYRA: less than 1 yr | New Accounts: 0/6, 1/12, 2/24 | Util: 1% | DTI: 1%
Message 21 of 46
Cblough93
Established Contributor

Re: What cards have the highest minimum starting limit?

@NoHardLimits 

 

Not sure how old you are but I'm 31 and In elementary school (I wanna say 4-5th grade) we had typing classes cause computers In everyone's home were still relatively new. And computers were still evolving very quickly so it wasn't a bad idea to teach typing.  i was also taught to double space after every period. I don't still do that, I'm not sure when I stopped. 

point is, if you learned to use double spaces that doesn't mean you are "old". I also remember the 2 handed technique where you place each finger on a  Specific letter on the keyboard to help your tying speed.

 

If you type with 1 finger then you are old in my book lol.

Blue Cash Preferred




Message 22 of 46
NoHardLimits
Established Contributor

Re: What cards have the highest minimum starting limit?


@Cblough93 wrote:

@NoHardLimits 

 

Not sure how old you are but I'm 31 and In elementary school (I wanna say 4-5th grade) we had typing classes cause computers In everyone's home were still relatively new. And computers were still evolving very quickly so it wasn't a bad idea to teach typing.  i was also taught to double space after every period. I don't still do that, I'm not sure when I stopped. 

point is, if you learned to use double spaces that doesn't mean you are "old". I also remember the 2 handed technique where you place each finger on a  Specific letter on the keyboard to help your tying speed.

 

If you type with 1 finger then you are old in my book lol.


@Cblough93 

I just filed to start receiving Social Security retirement benefits, so I think that makes me officially old.

 

A combination of typing class and piano lessons turned me into a high speed touch typist.  All 10 fingers on the keyboard, with no need to look at most of the keys.

June 2025 Scorecard: Clean, Thick, Mature, New Revolver
FICO8:
FICO9:
VantageScore3:
Inquiries (n/12, n/24):
AAoA: 11 yrs | AoORA: 37 yrs | AoYRA: less than 1 yr | New Accounts: 0/6, 1/12, 2/24 | Util: 1% | DTI: 1%
Message 23 of 46
Hipployta
New Contributor

Re: What cards have the highest minimum starting limit?


@Aim_High wrote:

@Hipployta wrote:
My AMEX BCP starting limit was $34.9K, my Navy Fed starting limit was $25k and $25K, X1 was $21K, and my Chase Amazon Prime, Chase Marriott Bonvoy, and Langley FCU Travel card starting limits were $18K. Good luck.

Those are nice Starting Limits but the question was:

... which cards have the highest minimum starting limits to be approved? 

... not what was your highest limit approval. 


Others shared their experiences so I also shared examples from mine of what cards are the highest. However they were indeed not the highest minimum. If you have only one card I have seen Navy Federal do $50K
FICO (01/29/2025) EX 850 I TU 836 I EQ 840
INQ: 1/12, 4/24
Cards 0/12, 2/24
Mortgage: 5.5% 30 yr $412K, Auto Loan: 2024 Kia Telluride $42K, Loan: SoFi $36K
Total CL: $415K, 1% Utilization
Top CLs: AMEX Plat NSPL, AMEX BCP $55000, NFCU Visa $48900, AMEX Everyday $42900, Langley PLOC $21900, BOA Americard $20000, Paypal MC $20000, Langley TR $18100, Chase Prime $18000, NFCU AMEX $18000, NFCU MC $13100, Chase Freedom $13000, Chase Bonvoy $12000, GM Rewards $12000
Next 3 Years: Sell condo, then close on new build, pay off auto loan, then focus on paying down mortgage. Consider a HELOC, CSP, United Quest credit card, World of Hyatt, Truist or NW LOC, and/or one of the USB ards after I garden until August 2025 for 0/24
Message 24 of 46
unsungivy
Valued Contributor

Re: What cards have the highest minimum starting limit?


@Cblough93 wrote:

@NoHardLimits 

 

Not sure how old you are but I'm 31 and In elementary school (I wanna say 4-5th grade) we had typing classes cause computers In everyone's home were still relatively new. And computers were still evolving very quickly so it wasn't a bad idea to teach typing.  i was also taught to double space after every period. I don't still do that, I'm not sure when I stopped. 

point is, if you learned to use double spaces that doesn't mean you are "old". I also remember the 2 handed technique where you place each finger on a  Specific letter on the keyboard to help your tying speed.

 

If you type with 1 finger then you are old in my book lol.


I brought it up because I read many moons ago there was a cut-off age that people over it learned with two spaces, and people under it with one. I was JUST under that. And yes, it tends to align to "older Gen X" and "young Boomers" for what that age is.

 

As an Xennial (look it up), we had a typewriter in my house when I was growing up, and got a personal computer in 10th grade. I never had school typing classes (although we did learn finger positioning in a 4th grade "computer lab"... and mostly used it to play Oregon Trail), and was also the last graduating class at my HS that didn't have a required computer literacy class. Falling between when things stop and start is one of the earmarks of an Xennial 😜 We had an "an analogue childhood, and a digital adulthood".

 

Double-space after periods? You're over a certain age. Don't even TRY to use punctuation/spelling/formatting? You're definitely under a certain age (IE, not out in "the real world" yet.)

Biz - Authorized User -
Sock Drawer'd - Debit Cards -
Chopping Block -
Message 25 of 46
CreditCuriosity
Moderator Emeritus

Re: What cards have the highest minimum starting limit?

The world has lost their mind.  Y is considered a vowel by many(won't ever be one in my lifetime in my mind), AND can start a sentence now and many other weird things.  Although we are way off subject of the initial post

Message 26 of 46
pizzadude
Credit Mentor

Re: What cards have the highest minimum starting limit?


@CreditCuriosity wrote:

The world has lost their mind.  Y is considered a vowel by many(won't ever be one in my lifetime in my mind), AND can start a sentence now and many other weird things.  Although we are way off subject of the initial post


Ypsilanti???  Smiley LOL

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 27 of 46
Anonymous
Not applicable

Re: What cards have the highest minimum starting limit?


@Hipployta wrote:

@Aim_High wrote:

@Hipployta wrote:
My AMEX BCP starting limit was $34.9K, my Navy Fed starting limit was $25k and $25K, X1 was $21K, and my Chase Amazon Prime, Chase Marriott Bonvoy, and Langley FCU Travel card starting limits were $18K. Good luck.

Those are nice Starting Limits but the question was:

... which cards have the highest minimum starting limits to be approved? 

... not what was your highest limit approval. 


Others shared their experiences so I also shared examples from mine of what cards are the highest. However they were indeed not the highest minimum. If you have only one card I have seen Navy Federal do $50K

You seem to be misunderstanding the context.   It's not how high can a card go, more which card guarantees the highest starting limit (so if you get card X you will get at least $Y, possibly/probably more, but at least $Y)

Message 28 of 46
Anonymous
Not applicable

Re: What cards have the highest minimum starting limit?


@NoHardLimits wrote:


@Cblough93 

I just filed to start receiving Social Security retirement benefits, so I think that makes me officially old.

 

 


You are not old until the SSA equivalent of Amex's RAT start sending letters demanding proof of life (around 90-95) to catch those  still claiming social security checks for deceased relatives.

 

Note this is still an excellent income opportunity for those with relatives who die between 62 and 85 say!

Message 29 of 46
NoHardLimits
Established Contributor

Re: What cards have the highest minimum starting limit?


@CreditCuriosity wrote:

Although we are way off subject of the initial post


The OP has been an active participant in the off-topic portion of this thread, so I think we're okay with the digressions.

 

To bring things back on topic, my vote goes to Chase Sapphire Reserve for a commonly available credit card with the highest minimum starting limit.  No specific assets or relationships required.

June 2025 Scorecard: Clean, Thick, Mature, New Revolver
FICO8:
FICO9:
VantageScore3:
Inquiries (n/12, n/24):
AAoA: 11 yrs | AoORA: 37 yrs | AoYRA: less than 1 yr | New Accounts: 0/6, 1/12, 2/24 | Util: 1% | DTI: 1%
Message 30 of 46
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.