@Anonymous wrote:It amazes me, I still see people asking at least once a week "what credit cards have great starting limits?" If you have to ask that question, then you haven't bothered to read the terms and conditons of any and all CC offers. No card offers a flat rate CL, let em in all in policy, that defies all underwriting rulles. To the word, the terms say, reagardless of card/brand "your Credit line and APR will be determined based on YOUR creditwortheness".. You could argue that a Visa Sig card (min $5K) or elite card like Chase Saphire Reserve (min 10K) have nice starting limits but you still have to meet certian critera to qualify and in the case of CSR I'm sure it's a nice 720+ bar to clear.
A card that doesn't seem to have too strict of score requirements is the United Club, which has a nice starting limit of 15k.
Gardening until September 2025
@Anonymous wrote:It amazes me, I still see people asking at least once a week "what credit cards have great starting limits?" If you have to ask that question, then you haven't bothered to read the terms and conditons of any and all CC offers. No card offers a flat rate CL, let em in all in policy, that defies all underwriting rulles. To the word, the terms say, reagardless of card/brand "your Credit line and APR will be determined based on YOUR creditwortheness".. You could argue that a Visa Sig card (min $5K) or elite card like Chase Saphire Reserve (min 10K) have nice starting limits but you still have to meet certian critera to qualify and in the case of CSR I'm sure it's a nice 720+ bar to clear.
While I agree that a SL will always depend on one's overall profile and resources (mostly income), it's also well-known that some lenders are more 'generous' than others, at least to those with an average profile.
For example, most of us who have both NFCU and Citi have reported that we started out with a higher credit line with NFCU than Citi. It's also well-known that Synchrony cards are easy to grow, even with less-than-perfect credit scores.
I suspect whenever you see the question you're referring to most folks around here understand it's not 'one size fits all' but are just inquiring about what lender is giving out larger starting lines generally speaking. For most of us there's no 'myth' to debunk. 
@Anonymous wrote:To echo what others have said already, there is no 'great starting limit myth'. Some lenders are known to be more generous than others -- for example compare NFCU to AMEX. NFCU routinely gives solid starting limits to those with marginal scores while American Express is known to give awful limits like $500 or $1000 to even those with decent scores.
+1
@UncleB wrote:
@Anonymous wrote:It amazes me, I still see people asking at least once a week "what credit cards have great starting limits?" If you have to ask that question, then you haven't bothered to read the terms and conditons of any and all CC offers. No card offers a flat rate CL, let em in all in policy, that defies all underwriting rulles. To the word, the terms say, reagardless of card/brand "your Credit line and APR will be determined based on YOUR creditwortheness".. You could argue that a Visa Sig card (min $5K) or elite card like Chase Saphire Reserve (min 10K) have nice starting limits but you still have to meet certian critera to qualify and in the case of CSR I'm sure it's a nice 720+ bar to clear.
While I agree that a SL will always depend on one's overall profile and resources (mostly income), it's also well-known that some lenders are more 'generous' than others, at least to those with an average profile.
For example, most of us who have both NFCU and Citi have reported that we started out with a higher credit line with NFCU than Citi. It's also well-known that Synchrony cards are easy to grow, even with less-than-perfect credit scores.
I suspect whenever you see the question you're referring to most folks around here understand it's not 'one size fits all' but are just inquiring about what lender is giving out larger starting lines generally speaking. For most of us there's no 'myth' to debunk.
+1
There's plenty of anecdotal evidence on these boards to support the idea that some cards offer better credit limits than others, based on similar circumstances. In fact, that's one of the benefits of these boards, to notice such trends, even though no lender would ever want to discuss the subject. What's more, each lender has different policies regarding CLIs that bubble up on these boards.
Thanks to this crowdsourcing of data, I've also learned credit building skills that tend to work, understanding that no specific results are guaranteed. Some things that have worked for a number of people have worked for me and some haven't. Overall, I think these boards have helped me make more efficient and effective use of my time.
@UncleB wrote:
@Anonymous wrote:It amazes me, I still see people asking at least once a week "what credit cards have great starting limits?" If you have to ask that question, then you haven't bothered to read the terms and conditons of any and all CC offers. No card offers a flat rate CL, let em in all in policy, that defies all underwriting rulles. To the word, the terms say, reagardless of card/brand "your Credit line and APR will be determined based on YOUR creditwortheness".. You could argue that a Visa Sig card (min $5K) or elite card like Chase Saphire Reserve (min 10K) have nice starting limits but you still have to meet certian critera to qualify and in the case of CSR I'm sure it's a nice 720+ bar to clear.
While I agree that a SL will always depend on one's overall profile and resources (mostly income), it's also well-known that some lenders are more 'generous' than others, at least to those with an average profile.
For example, most of us who have both NFCU and Citi have reported that we started out with a higher credit line with NFCU than Citi. It's also well-known that Synchrony cards are easy to grow, even with less-than-perfect credit scores.
I suspect whenever you see the question you're referring to most folks around here understand it's not 'one size fits all' but are just inquiring about what lender is giving out larger starting lines generally speaking. For most of us there's no 'myth' to debunk.
What UncleB said.