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Looking for High Limit PLOC

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CreditUp26
New Contributor

Looking for High Limit PLOC

Hello! I'm looking for a bank / credit union (preferrably credit union for a lower rate) that offers a personal line of credit that can be used as an overdraft line of credit. A high limit $30k - $50K would be ideal. Any tips are greatly appreciated!

 

Fico: 750

Utilization: 4% of 226,000

I

6 REPLIES 6
IntegerIntrovert
Frequent Contributor

Re: Looking for High Limit PLOC

Following

Chase Amazon Prime $29000, Citi Costco $32000, US Bank Altitude Connect $40000, US Bank Smartly $35000
Message 2 of 7
SouthJamaica
Mega Contributor

Re: Looking for High Limit PLOC


@CreditUp26 wrote:

Hello! I'm looking for a bank / credit union (preferrably credit union for a lower rate) that offers a personal line of credit that can be used as an overdraft line of credit. A high limit $30k - $50K would be ideal. Any tips are greatly appreciated!

 

Fico: 750

Utilization: 4% of 226,000

I


Langley FCU will allow up to $40k.

 

Santander Bank has large PLOC's.

 

 


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 3 of 7
tcbofade
Super Contributor

Re: Looking for High Limit PLOC

I believe that PenFed offers a PLOC up to $25k.

Fico 8 06/01/26: EX 791, EQ 819, TU 808.
Fico 9: EX 812 04/15/25, EQ 804 04/08/25, TU 792 02/15/25.

Zero percent financing is where the devil lives...
Message 4 of 7
Anonymous
Not applicable

Re: Looking for High Limit PLOC

with no history this will be hard, you would be better utilising a company you already have a relationship.

Message 5 of 7
SouthJamaica
Mega Contributor

Re: Looking for High Limit PLOC

Dept of Commerce FCU has PLOC's up to $40k.


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 6 of 7
creditfan
Established Contributor

Re: Looking for High Limit PLOC

BCU if you qualify for membership

Message 7 of 7
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