Which CCC's generally offer the highest initial CL?

[Anonymous]

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SonorityGenius wrote:

So I requested CLI after 30 days on the Gas card (5%) and got a whopping approval for $35k

(I think 40k is max I didnt want to request that much in fear of denial)

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Even with gas at $4+ it is hard to imagine spending $40,000 on gas

[Anonymous]

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debtisgood wrote:

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SonorityGenius wrote:

So I requested CLI after 30 days on the Gas card (5%) and got a whopping approval for $35k

(I think 40k is max I didnt want to request that much in fear of denial)

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Even with gas at $4+ it is hard to imagine spending $40,000 on gas

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No kidding!  What are you fueling up, a G4? 

[Anonymous]

For me, it was Chase.  They offered me a 5,000 CL on their BP gas card.  But I had (and still have) a Geico card at a 5,000 CL from various auto CLs.

I would like to see if someone would offer me 10,000 but that's only because I want to have a card at 10,000.

[Anonymous]

B of A $21k incitial CL recently increased to $22k.

[aftermath]

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@Anonymous wrote:

B of A $21k incitial CL recently increased to $22k.

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What was your score at the time of application, and who did they pull?

[SonorityGenius]

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credit08 wrote:

Hey SG if you dont mind me asking what was your scores @ time of approval for that generous CL also I have heard that they almost always pull EQ and they frown bigtime on recent apping sprees @ time of applying did you have many INQ"S. I have like 5 on EQ the newest 1 mos ago oldest 15mos 2 others 9 mos ago. I would like to join a CU I have no family or job that offers it to me SO it is easy to join this CU 25 + 5 dollars and your in. Any input you would be willing to share would be great.My scores are very good high 700"s Thanks In advance

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Hi credit!

My scores were all in the 750s range, had 2 inqs on EQ at the time. Penfed does not like recent inquiries or balances on your CR so make sure you PIF, wait till it reports 0 and than apply for penfed.

Ofcourse I wont be charging JUST gas for that 35k!! Its just a bigger, badder cushion for my UTL =D

The higher the CLs you get, the better is my motto! lol

[Anonymous]

Citi, BoA, and Amex are will known for giving out high CL's. As far as the other issuers go, I think it's very hit or miss. WaMu was DW's 3rd card: when her other two were at $500, they gave her $3,500. I have several cards with limits of $5,000 and they only gave me $2,000. As for Juniper, I've seen people who say they gave their highest limit but there are plenty of cases of people getting $500 when they have five figure CL's. Chase is another one that can vary, but they're also very stingy with CLI and requests always cost a hard.

[smallfry]

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@Anonymous wrote:
Citi, BoA, and Amex are will known for giving out high CL's. As far as the other issuers go, I think it's very hit or miss. WaMu was DW's 3rd card: when her other two were at $500, they gave her $3,500. I have several cards with limits of $5,000 and they only gave me $2,000. As for Juniper, I've seen people who say they gave their highest limit but there are plenty of cases of people getting $500 when they have five figure CL's. Chase is another one that can vary, but they're also very stingy with CLI and requests always cost a hard.

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Navy Federal and Pentagon Federal and some other large credit unions extend the highest initial limits to most.

I have seen some very high initial lines from Chase Citi BOA and of course AMEX. Rebuilders of course won't get high initial limits.

Juniper gave me my highest non CU initial line with a $7500 Sea Miles card. Wamu was the lowest at $2K.

All of this credit experience will be a very YMMV type of thing. Most of the lenders are all over the board and the more you read the more you might come to the conclusion that there is a primate throwing darts for approvals and initial credit limits. Sure feels that way to me sometimes.

[Anonymous]

I was just given a 14K cl with Chase. 

~Brooke

[aftermath]

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@Anonymous wrote:

I was just given a 14K cl with Chase.

~Brooke

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What was your credit score? And who did they pull? If you don't mind me asking.