@ptatohed wrote:Don't ask me how or why ...but my Chase IHG card ($99/yr) came with a $35,000 limit. My highest limit by far.
Easy, @ptatohed. It's a travel card with an AF. From my observations, most lenders appear to set general approval ranges when they develop a new card. And data points from both myself and others on the forum have continued to support my hypothesis that, profile permitting, travel cards will often provide a higher potential SL than other types of cards. I recently elaborated on that theory with my own data points with Chase on multiple cards along with what I've observed to be the hierarchy of credit limit ranges. See THIS POST to read more about my observations and theory.
Like you, my $35K on my Chase Sapphire Reserve ($550 AF) was one of my highest SLs. Chase typically doesn't give $35K limits for most applicants on their no-AF cards like Freedom Flex, Freedom Unlimited, Amazon Visa/Prime Visa, or Slate Edge. I also received a $30.5K SL on the CITI AAdvantage Executive ($595 AF), which is far higher than CITI typically doles out for their no-AF cards like Custom Cash, Double Cash, Rewards Plus, or Diamond Preferred. There are other data points in the link above.
My theory on lenders setting approval ranges is validated with the data points on My FICO. Pick a card, any card. 
Catalogue the approval postings. They generally fall in a predictable range. Some are denied who fall below that range. Occasionally, some (but very few) go above it, typically due to some relationship factor or very high assets under management at that lender. The most solid consumer profiles with sufficient income and debt profiles, with high FICO top out at a certain amount that varies by the card. See my posting above about NFCU Flagship Rewards. It appears the top limit on it is about $25K for most consumers with allowance up to $30K or higher (like that $50.8K data point) on exception. Chase seems to limit approvals to $35K on their AF travel cards in most cases. In my post above, CITI gave several of us that odd $30.5K limit but no one was going higher at that time. With enough recent data points about recent approvals for a specific credit card combined with details about a consumer profile, it's often possible to give a fairly accurate estimate of SL.
^^^
I always knew I liked @Aim_High . I admire and respect a person who still uses two spaces after a period. But now I find out that he spells catalogue as catalogue and not catalog. My kind of guy! 
@ptatohed wrote:^^^
I always knew I liked @Aim_High . I admire and respect a person who still uses two spaces after a period. But now I find out that he spells catalogue as catalogue and not catalog. My kind of guy!
Lol. Spelling is such an art, @ potato_head, errr ... I mean @ptatohed. (ptato hed.)
Of course, "catalog" is the preferred normal "American" English spelling and "catalogue" is the preferred normal "British" English spelling. While I'm only partial British heritage, I can appreciate both forms. I hesitated when I spelled that, as a matter of fact, and then left it alone. In context, while either form can be used as a noun or verb, I think I tend to favor the "catalogue" in the verb context. When I was a child, my mother got the "Sears and Roebuck" CATALOG and I was just fine with that since it was used as a noun!! 
Cheers!
@Aim_High wrote:
@ptatohed wrote:^^^
I always knew I liked @Aim_High . I admire and respect a person who still uses two spaces after a period. But now I find out that he spells catalogue as catalogue and not catalog. My kind of guy!
Lol.
Of course, "catalog" is the preferred normal "American" English spelling and "catalogue" is the preferred normal "British" English spelling. While I'm only partial British heritage, I can appreciate both forms. I hesitated when I spelled that, as a matter of fact, and then left it alone. In context, while either form can be used as a noun or verb, I think I tend to favor the "catalogue" in the verb context. When I was a child, my mother got the "Sears and Roebuck" CATALOG and I was just fine with that since it was used as a noun!!
Cheers!
Officially, it IS just British vs US but individual experience seems to cause people to make other distinctions, @Aim_High noun vs verb, and I found this strange claim:
Catalog often seems relegated to static, physical objects (e.g., the Sears catalog) while catalogue may refer to a more abstract (non-physical) concept of grouped elements (e.g., the Beatles' catalogue of music).
In all cases, both spellings are used heavily in American English, to different effect;
@Anonymous wrote:
@Aim_High wrote:
@ptatohed wrote:^^^
I always knew I liked @Aim_High . I admire and respect a person who still uses two spaces after a period. But now I find out that he spells catalogue as catalogue and not catalog. My kind of guy!
Lol.
Of course, "catalog" is the preferred normal "American" English spelling and "catalogue" is the preferred normal "British" English spelling. While I'm only partial British heritage, I can appreciate both forms. I hesitated when I spelled that, as a matter of fact, and then left it alone. In context, while either form can be used as a noun or verb, I think I tend to favor the "catalogue" in the verb context. When I was a child, my mother got the "Sears and Roebuck" CATALOG and I was just fine with that since it was used as a noun!!
Cheers!
Officially, it IS just British vs US but individual experience seems to cause people to make other distinctions, @Aim_High noun vs verb, and I found this strange claim:
Catalog often seems relegated to static, physical objects (e.g., the Sears catalog) while catalogue may refer to a more abstract (non-physical) concept of grouped elements (e.g., the Beatles' catalogue of music).
In all cases, both spellings are used heavily in American English, to different effect;
Excellent >example<, @Anonymous, and thanks for that. It validates that my usage has some precedent, even though that both forms are technically correct.
