What high limit credit cards should I apply for? And what are my chances?

[Jnbmom]

Most judgements are no longer on credit reports paid or unpaid  , so I don't think Lexington had anything to do with that . Just throwing that out there for DPs 

Good for getting your reports cleaned and I guess the best thing to do would be to apply .

good luck , if you don't get a high limit it's ok most of us started low and worked our way up 👍

[Anonymous]

I'll never quite understand why people come here for advice, suggestions and guidance and then tell everyone they are wrong about their advice, suggestions, and guidance. 

Anyhow, there is a reason why you received toy limits during last application attempts. It's because that's all your profile currently support. Score isn't everything. AUs aren't everything. Your file is young, you probably have some inquiries racked up, and you're moving too fast. At this point, time is your best friend. 

I know, I'm wrong too. I'll say it before you do. 

[Remedios]

You have short history and low limits.

I'd start with Discover. They are not terribly bothered by either. 

[Remedios]

OP has taken a bit more reconciliatory tone. Let's all do the same, and start over.

[FinStar]

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@Anonymous wrote:

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@Meanmchine wrote:

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@Anonymous wrote:

I'm GOING TO JUST PULL THE TRIGGER ON BARCLAYS, CAP ONE and DISCOVER... and see what happens. Just came here to get advice or suggestions. I'll be back with my approvals (if any). 

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DONT APP JUST TO SPITE US.

Good luck

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No, it's not in spite lol. I was going to apply regardless, that's why I added the au's to began with. I just came here for advice. I'm not mad or upset, I just was giving my opinion on au's and how "I" felt they would be a help. You guys could be right, I guess the only way to really see is to apply. 

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It would be interesting to see what results you get with Discover, Capital One and Barclays, OP. 

Please report back with the outcomes.  And, best of luck with the applications. 

As @Remedios mentioned upthread, start with Discover (use their pre-qualified portal). 

If approved and the SLs aren't to your expectations, it's ok.  They can grow.  What counts is the approval. 

[AverageJoesCredit]

Lucy, glad to see you arent taking this personally. You are getting excellent advice from some very seasoned people with vast credit experience. Lol, if i would listen more to their sage advice, my reports wouldnt be so full of POHPs . Sometimes we go with our heart when its our brains we should listen too💗🥴

[K-in-Boston]

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@Remedios wrote:

You have short history and low limits.

I'd start with Discover. They are not terribly bothered by either. 

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Of the lenders you mentioned, I'd second that.  CapOne can be all over the board.  A big approval is not out of the question, but it can also result in another starter limit that will never really move.  Barclaycard I would suggest saving your hard pulls; that's not a very likely approval, and if does happen and you open additional accounts it's quite possible you'll have the account closed or limit reduced to nothing.

You may want to check out American Express preapprovals as well.  They can also be generous to thinner profiles that are clean.  For a third time, I'll also mention that you should investigate whether you are eligible for Navy Federal Credit Union, as they can be extremely generous.

[Anonymous]

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@Anonymous wrote:

I'll never quite understand why people come here for advice, suggestions and guidance and then tell everyone they are wrong about their advice, suggestions, and guidance. 

Anyhow, there is a reason why you received toy limits during last application attempts. It's because that's all your profile currently support. Score isn't everything. AUs aren't everything. Your file is young, you probably have some inquiries racked up, and you're moving too fast. At this point, time is your best friend. 

I know, I'm wrong too. I'll say it before you do. 

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I never said anyone was wrong. I gave my opinion about what "I" felt about AU users, not to shut down anyone else's opinion because I came here for advice! Not one time did I say any of you were wrong. Lol come on now! 

If you read the previous posts, you'll see where I stated that my credit is YOUNG. That's why I added the AU's to began with. After adding the AU's, FICO is reflecting that my credit age is 3years now. 

[tparks5961]

Hey Lucy,

oh boy... I guess what I've found to be the case after my rebuild was that I needed to manage my expectations.  I own a pretty decent business and for a while my total credit lines added up to $300.00..  3 hundred dollars.  When I figured out what I was doing and by working with my toy limits for about a year

, I now have credit lines of almost $90,000.00.

trust me.. I wanted those huge limits as well..  but I think we're nearing a market top and banks are getting a little nervous. One bank I bank with is regions.. In august, I had deposits of about $130,000.00, a Transunion Fico score of 806 and a total of 2 inquiries when I applied. My starting credit line was $5,500.00. Wrap your head around those numbers.. 

imo, the best thing you could have done was work on your toy limits for 1 year.. at the end of the year,  get the au accounts and then apply.  If you do a little research in the forums, you'll figure out which cards grow fast and a whole lot more. 

strategic planning will net good results in the short and long term.

good luck 😊

[NimbusIII]

I agree with K,  I would also suggest minimizing the hard pulls by doing any preqaulifications first.  Discover, AMEX, and chase have these but chases takes a bit to get to but lots of stuff on the web will help you locate them.  Also, I didnt see it mentioned but limits are based on your income level and even with my high income I get low starting limits at times, dont get discurage you can grow them.  lastly, if a co-branded airline card will serve you look into some of those, they are often the easiest to get with usually a moderate to + limit.