My AAoA is 14 months, no baddies. I got 2 cards in may of '18. a cap1 QS OF $3,000 which 3 months later got an auto CLI of $8,500 for a total of $12,500. a few days before I app for citi costco Visa. Sl of $8,500. about 6 months later i got a CLI of $2, 000 for a total CL of $10,500. My first SCL above $10,000 was about 2 wekks ago I got a AMEX BCE with a SL of $10,500. Looking forwrd to day 61 on that card.
I remember that card fondly. It was my Capitol One Quicksilver. It came with an SL of $10,000 and it never changed to this day. I used it on very limited occasions with other cards having replaced its usefulness. These days it sits in the sock drawer awaiting its fate of either being PC'd or combined with a future card.
My Amex BCE was the first over 10k. It was via CLI, though, not SL.
What was the age of your accounts at the time? Like, how far into your credit history did that happen?
I've had credit cards since 2005 in college, but they were mostly credit builders and parts of checking/savings/credit combo offers. Of course I haven't really been serious about credit cards and credit scores until this year so I only had store cards.
They all had 1k - 6k CL.
My first serious card I got was this year when I got a 20k CL on the Savor, which was quite surprising. After that, I was able to get the Amex Blue Preferred for 11k instant approved.
i have several cards over 10k now but mostly from CLI i just got my first 12k approval last week from penfed
My Delta Amex was 10k. I was my first credit card I applied for after having one Visa for 20 years with a 1.5k limit!!!!! Lol. Sometimes I still can’t believe I did it.
USAA approved me for $11k only 2 mos. into my rebuild back in 2013. It was a good thing I was laying down (home sick in bed with my laptop) when the approval screen came up---I couldn't believe it!
In 18 years of having credit, I've still never broken the $10k barrier. But that's because I've gone through a credit crisis and rebuild twice over the years. I was almost there about 7 years ago, I had a few cards in the 7-9k range, but then my credit fell apart. Recently started a rebuild, now my biggest card is $8,600.
I'm ok with it, honestly, having a $10k card isn't that important to me right now. My $20k in total credit (across 4 cards) is way more than enough for the time being.
I do pump about $8k/mo through my cards, so it would be sorta nice to have higher SLs so I don't have to make multiple payments per billing period, but for now I can make do.
More on point with the OP's question, about how long it takes FRESH (not rebuilt) credit to hit a 10k+ SL, like I said I never actually did hit it, but from my first credit card when I was 18 until I started messing up my credit ~20, I only ever got it as high as $5k on any one card. So I'd imagine it takes a few years, unless you speed up the process with AU accounts.