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Highest STARTING limits?

bennew111
Established Member

Re: Highest STARTING limits?

kudos on the 350K personal. any tips on getting personal and business credit?

Message 41 of 59
xaximus
Valued Contributor

Re: Highest STARTING limits?


@bennew111 wrote:

what does reconned mean?


It means when you call the backdoor number to have someone manually review your request.



Scores - All bureaus 756 +
TCL - Est. $275K
Message 42 of 59
Jagc
Valued Member

Re: Highest STARTING limits?

NFCU gave me Go Rewards SL of 10k just this January. Which was almost half my income at the time lol. I don’t know what triggered them to give me that considering all I had was $600 NFCU secured and $1000 Capital One platinum. Both almost at 60-80% usage (college expenses, new semester).

But hey, I’m not complaining! Thank you credit gods 🙏🏻
Just a young kid (21) starting his credit journey early

Current FICO8 Scores:
TU: 723 | EX: 735 | EQ: ???

Current CCs:
NFCU VS Flagship 16.6k
NFCU More Rewards Amex 15.5k
Capital One Quicksilver 2k(eternal SD)
American Express BCE 1k(sent to hell, never to be used!)
Uber Visa Card 4k
Discover IT 6.4k
Chase Freedom 3.4k
Goldman Sachs Apple Card 5.5k

Utilization 19%

Credit Score Goals:
750+ across all three

Message 43 of 59
Medic981
Valued Contributor

Re: Highest STARTING limits?

My highest starting limit is with Citi Bank for the Double Cash Card at $5,000.

















Your FICO credit scores are not just numbers, it’s a skill.

Message 44 of 59
mr_suave
Established Contributor

Re: Highest STARTING limits?

15k for Venture and 13.5k for Amazon Visa.

 

Still don’t know how I got that High of a limit lol

Amex Green NPSL, Amex Hilton Surpass 5k, Amex Marriott Bonvoy 1k, AMEX BBP 1k, AMEX Biz Cash 6k, BOA Cash Rewards 5k, BOA Better Balance Rewards 2k, Care Credit 15k, Chase Amazon Visa 19.825k, Discover 11.8k, Discover 12.5k, Nordstrom Store 4.5k , Fidelity Visa 10k, Cap 1 QS 15k, Cap 1 Savor 10.5k, Citi Rewards+ 4.4k, Citi DC 8k, Citi Advantage Platinum 5.5k, US Cash+ 3.5k, Altitude Reserve 12.5k, Paypal Mastercard 4k, Apple Card 6.5k, Wells Fargo Cash Wise 5k, BOA Premium Rewards 8k, Citi AA Biz 1.5k, Flexperks Biz 3k
Message 45 of 59
BoldAndMighty
Established Member

Re: Highest STARTING limits?

NFCU Flagship 20k
Whoopwhoop!
Before that it was Discover 6k






Student loans: Old as Methuselah & Good standing
Baddies: 2 CC Delinquent Falling off, 1 60d 2 yr ago; EQ 1 collection
Message 46 of 59
DaJagman
Regular Contributor

Re: Highest STARTING limits?

Highest starting limits were

 

BMO Harris Diners Club Mastercard $40K

Chase Sapphire Reserve Visa $30K

FICOs: EX: 817, EQ: 823, TU: 812
Nordstrom Visa Signature 22k
Diners Club Premier 40k
Chase Sapphire Reserve 50k
American Express Platinum NPSL
Discover it 47K
Message 47 of 59
River123
Established Contributor

Re: Highest STARTING limits?

$49,000 PenFed SL on Power Cash card.

Message 48 of 59
KELSTAR
Regular Contributor

Re: Highest STARTING limits?

Mine was Discover 15k on 10-15-17.

I had a Experian Fico 8 score of 674.

AAOA was 18 months with 2 accounts. Elan visa at 2k limit at about 50% utilization, I always pif monthly, and Cap1 platinum mc at 500 limit and zero utilization. 

1 car loan 13 months old for 17k.

no collections but 6 or so 30 days late installment payments on each of 3 accounts almost 5 years ago at the time. no negatives in almost 5 years.

income was 84,900 at the time.

I really think the big reason for my high starting limit for my profile at the time was I had only 1 mortgage inquiry on my credit report that was in August 2 months earlier. There was no other hard pull on Experian over the previous 2 years. The income with the lack of inquiries for me I believe was the ticket!

 

Signature as of 10/01/21. Clean file. MYFICO 3B. I live in Green Bay, Wisconsin for those tracking what credit bureau is pulled by location.
FICO 8 EQ=796 TU=799 EX=801
FICO 9 EQ=816 TU=816 EX=813
MORTGAGE SCORES EQ=773 TU=782 EX=787
AAoA=4Y3M AoOA=11Y4M AoYA=5M
VANTAGE SCORES EQ=825 TU=813 EX=813
BUSINESS CREDIT SCORES. Formed LLC 6/1/18. YEARLY SALES=3M
EXPERIAN BUSINESS CREDIT SCORE=77 EXPERIAN FINANCIAL STABILITY RISK RATING=1 SMALL BUSINESS SCORE SERVICE SCORE=210 D+B=80
HARD PULLS last 12 months EQ=1 TU=1 EX=1 Three new accounts reporting.
HARD PULLS last 24 months EQ=1 TU=2 EX=2 Four new accounts reporting.
INCOME=$290k as of 10/01/21 for income stated on applications. DTI=2.5% Business sales 300k monthly.
MAIN BUSINESS and PERSONAL BANKING=CHASE
MORTGAGE=800K 03/21 2.25%
INSTALLMENT LOAN. Vehicle loan opened 08/18. Zero down. 45K at 0% for 60 months LINCOLN FINANCE.

OPEN PERSONAL ACCOUNTS/OPEN DATE
DISCOVER=34k 10/17 CITI COSTCO VISA=16k 06/18 US BANK CASH+=7k 06/18 PENFED PLATINUM REWARDS=10k 07/18 CHASE FREEDOM=10k 07/19 CHASE SAPPHIRE RESERVE=14.1k 09/20 AMEX PLATINUM= NPSL 04/21 AMEX HILTON SURPASS=10k 05/21

OPEN BUSINESS ACCOUNTS/OPEN DATE
CHASE INK CASH=10k 07/18 AMEX MARRIOT BONVOY=10k 02/19 CHASE INK UNLIMITED=10k 09/19 US BANK BUSINESS CASH=29k 10/19 WELLS FARGO BUSINESS PLATINUM=20k 11/19 AMEX LOWES BUSINESS=15k 11/19 AMEX BLUE BUSINESS PLUS=35k 02/20 CHASE INK PREFERRED=50k 07/20 AMEX BUSINESS GOLD=NPSL 09/20 AMEX BUSINESS PLATINUM=NPSL 05/21 CHASE BUSINESS LINE OF CREDIT= 225k 09/21
Message 49 of 59
yummyjamaica
New Member

Re: Highest STARTING limits?

50k penfed
25k nfcu cash
28.4 csp
Message 50 of 59
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