Who offers generous limits?

Red1Blue · ‎10-21-2011

From my experience Citi and Navy offers the most generous credit limits with out any fuss. What is your experience?

hedgeclipper2 · ‎10-21-2011

I agree with both.

My Citi Dividend card I got in April was instantly approved at $4,800. It is now at $6,400 (CLI with a soft pull).

I got Navy in October of last year. Approved at $5,000. Now up to $20,000 one year later (2 hard pulls on EQ).

Barclays is someone I would add to that list as well. Approved for a Travelocity Amex in Dec of last year at $5,000, since raised to $15,000 in July, then I reallocated $5,000 of that line to open a US Airways Premier World Mastercard (for the 40,000 mile bonus).

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My favorite card right now: Fidelity Investment Rewards Visa Signature

visorboy1974 · ‎10-21-2011

Starting limits or CLIs?

For me,

Alliant was at $500, CLI to $15K

Barclays was at $650, CLI to $7K

Nordstrom opened at $4K, CLI to $6K

PSECU started at $5K, CLI to $10K.

FICO Scores Updated 07/15 EQ08 748 EX08 748 TU08 818

Meltdownblitz · ‎10-21-2011

@visorboy1974 wrote:
Starting limits or CLIs?

For me,

Alliant was at $500, CLI to $15K
Barclays was at $650, CLI to $7K
Nordstrom opened at $4K, CLI to $6K
PSECU started at $5K, CLI to $10K.

Wow, 500 to 15k with alliant.. After how many months?

Jtheedges: How long till you asked for cli on your citi dividend?

Barclays Uber - 4% Restaurants, 2% Online Purchases/Everyday Card || PenFed Cash - 5% Gas || Amazon Visa Signature - 5% Amazon || U.S. Bank Cash+ - 5% Utilities, 5% Cable/Internet || AMEX BCP - 6% Groceries || WF Cash - Cell Insurance || Rotating 5% Categories - Chase Freedom, Discover It, Citi Dividend || AMEX Zync - For Fun!

hedgeclipper2 · ‎10-21-2011

@Meltdownblitz wrote:
Jtheedges: How long till you asked for cli on your citi dividend?

6 months to the day from approval. Did it online with EX frozen to prevent a hard pull (and I know current lenders have permissible purpose blah blah blah, but I have never ever had a current lender pull my EX when it was frozen, they always comes back asking for the PIN).

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My favorite card right now: Fidelity Investment Rewards Visa Signature

visorboy1974 · ‎10-21-2011

@Meltdownblitz wrote:
Wow, 500 to 15k with alliant.. After how many months?
Jtheedges: How long till you asked for cli on your citi dividend?

6 months on Alliant.

FICO Scores Updated 07/15 EQ08 748 EX08 748 TU08 818

crosbyk1 · ‎10-21-2011

I find chas to be generous. My mom did a small app. spree and they gave her the highest limit. I also have decent limits with them.

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Anonymous · ‎10-21-2011

My USAA Visa that I opened right after opening my account with them, got an initial CL of $8,000. My highest CL before that was a BoA card at 4k that I had for 5 years.

So, even though I haven't gone for a CLI yet, the $8k limit is pretty good especially for an initial account.

Anonymous · ‎10-21-2011

Discover was generous with me.

fused · ‎10-21-2011

FIA has been very generous to me.