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What is the fastest growing

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juniornj23
Established Contributor

What is the fastest growing

We all know that capital one and discover grow really fast . The question is what others card grow as fast theses two .
Amex ED (2000) Amex BCE (2000) Amex macys (5000) Amex Gold , VENTURE (5000) MC PLATINUM (600) CAP QUICKSILVERONE (1250) CAP QUICKSILVER (4500) CAP QUICKSILVER (3500) PENFED AMEX (5000) PENFED CASH REWARDS (25,000) PENDFED REWARDS VISA SIGNATURE (20,000) UPROMISE (1000) NFL (4000) OVERSTOCK (2800) HSN (3200) DISCOVER IT(8500) AMAZON PRIME (10000) MARVEL(7000) BOF VISA(2000) BEST BUY VISA CITI (9000) BLISPAY (9000)Amex Magnet (10,000) Uber (3100)

WELCOME TO 100K CLUB . LAST APP 08/29/18 Credit Score 8 TU 720 EQ 705 EX 724

Starting Score: 640
Current Score: 720
Goal Score: 850


Take the myFICO Fitness Challenge

CARD I want .
Chase Freedom and US cash +

Now back to the garden until 2020
Message 1 of 15
14 REPLIES 14
Anonymous
Not applicable

Re: What is the fastest growing

Amex for up to 9x (sometimes more) the starting limit in 8 months (3x CLI on day 61, then 2-3x six months later)

 

Lowe's. I just mentioned in another thread that three people had nice increases, from 700 to 17k immediately in under two months, and 2k to 30k after a phone call, and 1.5k to 17k immmediately after a phone call.

 

With any card, though, it all depends on your income and ability to repay and your overall credit profile.

Message 2 of 15
Anonymous
Not applicable

Re: What is the fastest growing

My Home Depot card went from 5k to 25k once I received the card and requested a CLI
Message 3 of 15
Anonymous
Not applicable

Re: What is the fastest growing

While some cards may show greater/faster growth than others on average, there's nothing definite.

 

The OP mentioned Capital One as a fast grower.  I couldn't disagree more.  I've had a card with them for 15 months that started with a $3k limit and I've received two whopping $500 CLI's at 6 months and 12 months bringing me to $4k.  My income is fine, my average FICO score is in the 730's and I put at least $1000-$1500 through the card every month but always PIF or leave a few bucks as a balance at most. 

Message 4 of 15
takeshi74
Senior Contributor

Re: What is the fastest growing

Limits are never just a matter of creditor/product.  A "fast growing" product doesn't mean anything if you don't have the credit profile and income that support higher limits.  Don't disregard the importance of one's credit profile and income in these matters.  For a given creditor, a person with a stronger profile will generally see faster growth than one with a weaker profile.  I just recently had a $17.5K CLI with Barclaycard and they're a creditor that many seem to have problems with.

 

If you want higher limits then work on identifying and addressing the issues with your profile versus relying on finding the "right" creditor/product.  Don't rely on quick fixes with credit.

Message 5 of 15
barthooper
Frequent Contributor

Re: What is the fastest growing


@Anonymous wrote:

While some cards may show greater/faster growth than others on average, there's nothing definite.

 

The OP mentioned Capital One as a fast grower.  I couldn't disagree more.  I've had a card with them for 15 months that started with a $3k limit and I've received two whopping $500 CLI's at 6 months and 12 months bringing me to $4k.  My income is fine, my average FICO score is in the 730's and I put at least $1000-$1500 through the card every month but always PIF or leave a few bucks as a balance at most. 


I disagree as well. I started with $10k on a Quicksilver, my highest line to date, but I was putting a bunch of spend through it. 6+ months later they wouldn't increase it, citing that I hadn't used enough of the available limit. So I let a statement cut with about 2k on it, and soon after that I went to 13k. They seem to be OK with it after that initial hiccup, got another 3k 6 months later. Pales in comparison to Discover going from 11k to 21k in 8 months for me, but everyone's credit profile/relationship with the lenders is different.

Quicksilver - 16k | Discover It - 34k | Citi DC - $21k | Chase Amazon - 8k | Chase Reserve - 19.5k | Chase Preferred - 5k | EX FICO (Discover CSC) 788
Message 6 of 15
juniornj23
Established Contributor

Re: What is the fastest growing

I have 5 cap 1 account and i got a cli every 3 moths well i guess bc i have 5 account all of them are 2 months apart
Amex ED (2000) Amex BCE (2000) Amex macys (5000) Amex Gold , VENTURE (5000) MC PLATINUM (600) CAP QUICKSILVERONE (1250) CAP QUICKSILVER (4500) CAP QUICKSILVER (3500) PENFED AMEX (5000) PENFED CASH REWARDS (25,000) PENDFED REWARDS VISA SIGNATURE (20,000) UPROMISE (1000) NFL (4000) OVERSTOCK (2800) HSN (3200) DISCOVER IT(8500) AMAZON PRIME (10000) MARVEL(7000) BOF VISA(2000) BEST BUY VISA CITI (9000) BLISPAY (9000)Amex Magnet (10,000) Uber (3100)

WELCOME TO 100K CLUB . LAST APP 08/29/18 Credit Score 8 TU 720 EQ 705 EX 724

Starting Score: 640
Current Score: 720
Goal Score: 850


Take the myFICO Fitness Challenge

CARD I want .
Chase Freedom and US cash +

Now back to the garden until 2020
Message 7 of 15
Anonymous
Not applicable

Re: What is the fastest growing


@Anonymous wrote:

While some cards may show greater/faster growth than others on average, there's nothing definite.

 

The OP mentioned Capital One as a fast grower.  I couldn't disagree more.  I've had a card with them for 15 months that started with a $3k limit and I've received two whopping $500 CLI's at 6 months and 12 months bringing me to $4k.  My income is fine, my average FICO score is in the 730's and I put at least $1000-$1500 through the card every month but always PIF or leave a few bucks as a balance at most. 


Ditto. For many, Cap One is by far the slowest growing.

Message 8 of 15
Creditplz
Valued Contributor

Re: What is the fastest growing

Immediate growing cards are such like Walmart, Amazon, BP, (Synchrony cards) I was approved for 3 for a total of $3100 and called before I had the card and received $24,500 in total. Smiley Happy as far as prime lenders I mostly only hear of Discover growing fast and that really varies on credit file and income.
Message 9 of 15
Discover2016
Valued Contributor

Re: What is the fastest growing

BofA cards can grow very fast and to huge limits.Woman Very Happy

Gardening until September 2025
Next app: Mortgage in September 2025
FICO 08 Experian 810
Message 10 of 15
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