Large Credit Limits

Anonymous · ‎12-22-2013

I am looking to increase utilization. Can someone tell me of CCs, Store cards, etc that will issue larger Credit Limits? I am in the low 600s. Looking to increase score like everybody else.

Shogun · ‎12-22-2013

Low 600s is a difficult spot to get high CLs. GE is good about giving CLIs every 4 months or so. DiscoverIT has been known to give decent limits now.

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.

myjourney · ‎12-23-2013

@Anonymous wrote:
I am looking to increase utilization. Can someone tell me of CCs, Store cards, etc that will issue larger Credit Limits? I am in the low 600s. Looking to increase score like everybody else.

Welcome to the forum

Knowing more about your profile may help but with your scores your limited

INQ"s in the last year?

Other TL's car, SL, Loans etc etc

Baddies?

Type of cards your looking for and have you considered secured CC's to start you off?

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

takeshi74 · ‎12-23-2013

@Anonymous wrote:
I am looking to increase utilization. Can someone tell me of CCs, Store cards, etc that will issue larger Credit Limits?

Increase or decrease? Generally decreasing is desirable.

Anonymous · ‎12-23-2013

@Anonymous wrote:
I am looking to increase utilization. Can someone tell me of CCs, Store cards, etc that will issue larger Credit Limits? I am in the low 600s. Looking to increase score like everybody else.

One thing you might do is take a current copy of your report around to some local CUs, and ask them specifically what they can do to help you improve the situation.

I am thinking of CCs, consolidation loans, refinancing angles, and so on.