which citi card for highest credit limits?

[johnpalley]

also combined with a low apr would be nice. i dont care about rewards so these are the only 2 things im concerned about

im also trying to figure out is the thank you card harder to get than the diamond prefered and the simplicity? im trying to get in the door with citi and they keep sending me pre selected letters for the diamond prefered and simplicity. is the process usually to get a dp first and then have it switched to the thank you card later cause its harder to get kind of like a chase freedom to a Sapphire Preferred? im noticing alot of people having big limits with the thank you card. the goal is to end up with the card with the lowest apr combined with the highest limit from citi with the cl being a little more important

when i apply my scores will be 730-740 approx

[sexy_kitten7]

AFAIK, CL are determined by one's creditworthiness and capacity. So it has nothing to do with the product. People on here have reported anecdotally that AMEX is generous with initial CLs though!

[johnpalley]

i think your wrong and heres why. from the research ive done people are more likely to have a higher cl with a chase saphire prefered than they are with a chase slate. the saphire is a higher tier card which is harder to get so there more genereous with cl. my question is does citi work the same way where theres higher tier cards? thats what im getting at, are the thank you prefered, simplicity, and diamond prefered on the same level?

[coldnmn]

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@johnpalley wrote:

i think your wrong and heres why. from the research ive done people are more likely to have a higher cl with a chase saphire prefered than they are with a chase slate. the saphire is a higher tier card which is harder to get so there more genereous with cl. my question is does citi work the same way where theres higher tier cards? thats what im getting at, are the thank you prefered, simplicity, and diamond prefered on the same level?

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The higher tiered card gives a better CL because it requires better credit to get it. So it doesn't matter what card you get if you don't qualify for a higher CL you wont get it no matter what card you apply for.

[axledobe]

IME, Citi does not play when you app with high scores and decent income. I was denied in Feb of 2013. In March of 2014, I was approved for a 9.5K limit when my highest reporting was 2.5k.  This was for the AAdvantage card. If you have all of your ducks in a row, they may surprise you. As for a specific card, I have no clue. I've seen good limits from many of them with the AA cards being some of the highest just reading here. Good luck when you app. 

[johnpalley]

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@coldnmn wrote:

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@johnpalley wrote:

i think your wrong and heres why. from the research ive done people are more likely to have a higher cl with a chase saphire prefered than they are with a chase slate. the saphire is a higher tier card which is harder to get so there more genereous with cl. my question is does citi work the same way where theres higher tier cards? thats what im getting at, are the thank you prefered, simplicity, and diamond prefered on the same level?

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The higher tiered card gives a better CL because it requires better credit to get it. So it doesn't matter what card you get if you don't qualify for a higher CL you wont get it no matter what card you apply for.

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i get that, thats exactly what i just said. with my credit i think i can get any card citi has to offer so im trying to figure out what the top tier cards are do you know?

[johnpalley]

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@axledobe wrote:

IME, Citi does not play when you app with high scores and decent income. I was denied in Feb of 2013. In March of 2014, I was approved for a 9.5K limit when my highest reporting was 2.5k.  This was for the AAdvantage card. If you have all of your ducks in a row, they may surprise you. As for a specific card, I have no clue. I've seen good limits from many of them with the AA cards being some of the highest just reading here. Good luck when you app. 

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the AAdvantage card huh? hmm interesting il look into it thanks. ive also seen big limits with the thank you cards on here. i dont wanna apply till im sure i dont want the wrong card. hopefully someone that knows will post

[coldnmn]

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@johnpalley wrote:

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@coldnmn wrote:

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@johnpalley wrote:

i think your wrong and heres why. from the research ive done people are more likely to have a higher cl with a chase saphire prefered than they are with a chase slate. the saphire is a higher tier card which is harder to get so there more genereous with cl. my question is does citi work the same way where theres higher tier cards? thats what im getting at, are the thank you prefered, simplicity, and diamond prefered on the same level?

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The higher tiered card gives a better CL because it requires better credit to get it. So it doesn't matter what card you get if you don't qualify for a higher CL you wont get it no matter what card you apply for.

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i get that, thats exactly what i just said. with my credit i think i can get any card citi has to offer so im trying to figure out what the top tier cards are do you know?

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The one that gives you the most benefit. Why would you get a card just because you believe it is higher tiered and you believe it will give you a higher CL. When the CL has a lot more to do with DTI and your credit file.

[chrisw1968uk]

I applied for a Diamond preferred card, I already have the simplicity with a $4.5k limit - never a late payment to anyone and definitely no baddies, Diamond was approved for $6.5k, which was my highest CL prior to my Amex 61 day CLI.

I love this card! maybe not the best for rewards n stuff, but anyone who offers me $6.5k at 0% for 18 months is ok in my book

[Anonymous]

There used to be more definite tiers, such as the Thank You and Thank You Preferred, but not sure that the basic card is available any longer.

I think all the Thank Yous are basically the same (TY Pref, TY Prem and TY Prestige) UW, just different levels of AF.    These are higher tier than Simplicity, but not sure if they are easier or harder than CDP for example.

All these cards come with a wide range of CLs (and APRs), so I am not sure your question really applies that much.  

If you are not interested in rewards, probably the TY Preferred is as good as any.  (Not that I would recommend Citi for rewards anyway!)