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  1. #1
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    Default Which credit card comes with $25,000+ limit and 0% APR?

    Hello,

    I am looking to get a high credit limit (>$25,000) card which offers a 0% APR for at least 12-18 months. This is to finance a home remodel which I would like to pay off within that time period.

    My credit score is high 700's. I realize credit limit is determined by many factors including pay, but I am curious to know if there is any card that has consistently given higher than average credit limits to most people.

    Can anyone advise a card with these characteristics? Thanks!
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  2. #2
    agp
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    Depending on what your credit lines on your current credit cards are, how many cards you have, and which bank they belong to. For example, Chase likes to give credit cards with the same credit limit as your other cards, so if you have a Chase card that has $25K+ limit, then the new one will most likely have roughly the same.

    Another option is to look into an American Express credit card (not charge card). With those you can request a credit limit raise of approximately 3X after the first 60 days. So if you get a Blue something card with $8K limit, it can easily go up to $25K after two months of use.

    Main Card: Amex Platinum
    For gas: Penfed Platinum Cash Rewards
    For travel & dining: Chase Sapphire Preferred
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  3. #3
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    agp nailed it but wanted to input more. If you have a lot of credit lines on your credit report, need to remember that banks will go by how many credit lines you have open and your credit limits on them. It is not guarenteed that chase will match your credit limit or if any credit card company will give you matching credit limits if you opened another card with them.

    I did this with Chase and Chase gave me a 400 dollar credit limit on my Sapphire while my Chase Freedom is at 2500.
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  4. Platinum Member
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    Quote Originally Posted by LKGG18 View Post
    I did this with Chase and Chase gave me a 400 dollar credit limit on my Sapphire while my Chase Freedom is at 2500.
    A $400 limit on a Chase Sapphire card? I didn't think they let the limit go that low since they market this card as a premiere sort of thing
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  5. #5
    agp
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    I thought Visa Signature cards had to have a minimum of $5000 CL? Unless yours isn't a Signature, which I don't know if is possible...

    Main Card: Amex Platinum
    For gas: Penfed Platinum Cash Rewards
    For travel & dining: Chase Sapphire Preferred
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  6. #6
    JMK
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    I believe the Sapphire Preferred is the visa signature, which requires a minimum of 5k. The regular Sapphire is just a plain ole visa if I'm not mistaken.
    AMEX Blue Cash Preferred
    Chase Sapphire Preferred
    Discover More
    AMEX Zync
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  7. #7
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    Both are Visa Signatures which does indeed require a minimum $5k limit. I verified this with a CSR during my feeble attempt to obtain a Sapphire.
    Amex Green - NPSL - 05/12
    Amex Zync - NPSL - 06/12
    Discover it - $7750 - 11/12
    Chase Sapphire Preferred Visa Signature - $5000 - 11/12
    SECU Platinum Visa - $5000 - 08/08
    Bank of America Cash Rewards Platinum Plus Visa - $3000 - 06/08
    Citi Diamond Preferred Mastercard - $3000 - 05/12
    GECRB Old Navy Visa - $2500 - 11/12
    Chase Amazon Visa - $2000 - 11/12
    Chase Freedom Visa - $2000 - 07/12
    Citi Thank You Visa - $1000 - 06/12
    Amex Blue Cash Everyday - $1000 - 01/13
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  8. Platinum Member
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    Weird My Capital One venture Started out with a 3500 CL and it is a Visa Signature
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  9. #9
    agp
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    I have both the Sapphire and Sapphire Preferred. Both are Visa Signature, both have over 5K limit, and both, I believe, can ONLY be Visa Signature... LKGG probably just got gipped out of the deal.

    Main Card: Amex Platinum
    For gas: Penfed Platinum Cash Rewards
    For travel & dining: Chase Sapphire Preferred
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  10. #10
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    Shouldnt Mine have a 5k limit if it is visa signature?
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