Which CCC's generally offer the highest initial CL?

[heirophant]

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ficonovice wrote:

In my experience, I'd remove AMEX from the list and add Chase.

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I'd put WAMU back in and remove Chase.  Chase gave me $300 and WAMU then gave me $1500 within a month of eachother.  My highest limits at the time were Hooters $3000 and CareCredit $2000.  Coincidentally, my highest limit still is Hooters.  I like Merrick Bank...let's add them to the list.

[Anonymous]

Affirmative, Brooke!  Chase instantly approved me via the web for an $11,000 CL in late-May (Visa Free Cash Rewards Platinum). 

They pulled my Equifax report, and my FICO was 722.

[Anonymous]

For me it has to be chase I got a pre-approval from them applied for it I requested a CL of 20k thinking no way I would get it surprise approved.   no int for 15 mos no BT fees . I luv Chase by far the best IMHO.

[fused]

Initial CLs:

AmEx, BoA and FIA = Very Generous

Chase = hardly generous

CITI = tight wads!

CLIs:

All the above are great except for JP Morgan Chase and CITI, the Shyster Mafia!

A lot of this has to do with two things: your income and your existing available credit. Once you hit a certain point, it's hard to continue receiving CLIs. So in this sense, any CCC can become a tight wad. I am currently in this situation...my available credit almost doubles my individual income (not HHI though). 

[Anonymous]

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fused wrote:

Initial CLs:

AmEx, BoA and FIA = Very Generous

Chase = hardly generous

CITI = tight wads!

CLIs:

All the above are great except for JP Morgan Chase and CITI, the Shyster Mafia!

A lot of this has to do with two things: your income and your existing available credit. Once you hit a certain point, it's hard to continue receiving CLIs. So in this sense, any CCC can become a tight wad. I am currently in this situation...my available credit almost doubles my individual income (not HHI though). 

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Agree 100%!

[haulingthescoreup]

When it comes to banks, my vote for generous initial CL is BofA. (Income does help.)

Otherwise, the big CU's seem to offer some staggering CL's.

[Anonymous]

In my experience, your own bank or banks tend to be more generous in initial CLIs for tons of different reasons.

[fused]

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Tovya wrote:
In my experience, your own bank or banks tend to be more generous in initial CLIs for tons of different reasons.

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Generally speaking, yes. This is especially true if you have had a long-term relationship with your bank, never bounce checks and have a good amount of $$ in your account(s). I had no credit after having bad credit, and my bank was the only one who would extend me credit. In fact, they gave me an unsecured Visa with a CL of 2K...that is a lot for someone with NO credit.

[Anonymous]

WAMU

CCCU

CAP ONE  stingy

[rom828]

I got Amex Gold Delta Skymiles with $7500 and my highest at the time was an Orchard visa at $1390, so I considered the Amex CL very generous.

Plus I got the Green and the Blue with a $3000 CL . Amex lets you move your limits around among your cards which is also nice (ie:  I put $2K of the Skymiles on Blue when I did a BT and didnt want to use more that 25% of the CL.)

BOA was very generous with DH.  His highest was Citi at $2800 and BOA new card CL is $5600.