World MC with CL < 5000

tndolphin · ‎09-23-2013

Hi all, I just got approved for a Huntington Voice credit card with an initial CL of 2500. I thought Visa Signature or World MC must have minimum CL of 5,000. However, the card I received has World on it, and the benefit guide specifies that this is a World Mastercard. Has anyone had similar experience with MC before?

yudeology101 · ‎09-23-2013

I have a Citi AAdvantage Gold MC, and it was approved for $2k last month. It started to report on CRAs as "flexible spending credit card" with $2k limit showing.

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO ↑ 11) EX:686 (FICO ↔ N/C) TU:686 (FICO ↑ N/C) *8-5-14*

Overall UTIL: 14% *Gardening Since: 1/20/16*
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Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)

BearsAndTurtlesRtheBest · ‎09-23-2013

+1 Ive seen that CITI tends to give CLs <5000 and are still wither WMC or VISA Signatures. Congrats on the approval that cards is very worth it.

Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200
Chapter 7 BK Dischagred on 07/11/16. Gardening Since 01/17/2019

vagrants · ‎09-23-2013

@tndolphin wrote:
Hi all, I just got approved for a Huntington Voice credit card with an initial CL of 2500. I thought Visa Signature or World MC must have minimum CL of 5,000. However, the card I received has World on it, and the benefit guide specifies that this is a World Mastercard. Has anyone had similar experience with MC before?

What I understand is that for VISA Signature, there is a set amount. And, people started to say the qualification for the World MC is > $5k because these 2 are similar in terms of added benefits.

AMEX Cash Rebate (this isn't Costco, older version of Blue Cash), AMEX Blue Cash, AMEX BCP, AMEX SPG (personal), Barclay Sallie Mae Plat MC, BBVA Compass NBA AMEX (No AF), Capital One QuickSilver VISA Sig, Capital One QuickSilver World MC, 2x Chase Freedom VISA Sig, Chase Ink Bold World Elite MC, Citi Dividend AMEX/World MC, Citi Double Cash, Citi Hilton VISA Sig, Discover More, Discover It, Fidelity AMEX, Huntington Voice World MC, MyPoints Rewards VISA, 2x US Bank Cash+ VISA Sig

azguy13 · ‎09-23-2013

Congrats on the approval!

eddie84 · ‎09-23-2013

I could be wrong here but but that might be World Elite MC that starts you at $5k > and not World MC?

navyox · ‎09-23-2013

I have a Citi Expedia World MC with a 4k CL. It is the no fee version too.

Starting Score: 676 CK 5/13. Current: 717 EX 6/15 -- Last App: 6/2014

BearsAndTurtlesRtheBest · ‎09-23-2013

Maybe each bank is different in regards to WMC? A recent member posted an approval for a Barclays Platinum, the app was to aim for the WMC but instead received the Platinum edition. The CL was $1,600.

Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200
Chapter 7 BK Dischagred on 07/11/16. Gardening Since 01/17/2019

BearsAndTurtlesRtheBest · ‎09-23-2013

Yeah looks like CITI allows for WMC with less tha $5K.

Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200
Chapter 7 BK Dischagred on 07/11/16. Gardening Since 01/17/2019

wl123 · ‎09-23-2013

I think $5000 is more a general rule of thumb. My father who's retired has pristine credit 800+ FICOs and was approved for Chase Amazon Visa Signature with only $500 limit. I suspect this is due to him reporting very low income.