CarefulBuilder14 wrote:Most lenders aren't going to be giving you big limits. Try a credit union. You can also try Discover and see if their semi-incomprehensible credit analysis favors you with a big limit.
Is there a particular reason you want big limits suddenly? I can see you're desperate from the fact you're even considering those mailed offers. You have a Freedom and PRG. Those offers should be junk mail for you.
lobbythis wrote:Definitely stay away from that CapOne. It can't touch anything you already have.
Citi would be personal preference. I want to get my relationship started with them as well, but have been denied in the past. When I review the credit pulls database, anyone getting good limits with Citi is well into the 700s with their scores. So, I wouldn't expect anything miraculous with high limits until your score gets close to that level.
CarefulBuilder14 wrote:I'd also point out that it may be better to just take an occasional hard pull for a CLI on a card you like. Chase rarely gives auto-CLIs and requires a HP for customer requests, but your Freedom could eventually reach $20k+.
Then again, I'm firmly in the 'Rewards trump CLs' camp as you've probably realized.
I don't know how high CLs on regular BofA cards can go (outside of the ML card lineup).
The only auto-CLI I've ever gotten was about two weeks ago, taking Brooks Bros from $1,260 to $1,560. That's a gimmick - not a serious reevaluation of my credit risk. And I've not heard of anyone with a CL on that card above $4.5k.
I suggest finding cards with rewards you like, that also have the ability to grow over time - but with possible HPs. That would rule out some issuers completely, and also many cards from other issuers, but the remaining list of possible cards would still be long.
My $6k BCE sits in my wallet for weeks on end and even if it were $18k, would still be about as practical as a glass hammer. My $2k Freedom, by contrast, is an absolute workhorse.
p51 wrote:I want cards that will grow with me. I don't want to haggle over CLI's.
takeshi wrote:CL's and CLI's are based on credit so technically all of them will grow with you. Of course, some creditors are more conservative than others and there are exceptions like the CO rebuilder cards.
AmEx is one possible option for CLI's with SP's (on personal anyway) but you also need to consider all the other stuff in determining if a specific card is useful to you. Keep in mind that a business card isn't likely to help your personal credit since most only report to business credit unless delinquent.
If you're getting denials from HP's then you will need to let them age and fall off. HP's will become less of an issue as your file thickens and your credit improves but that will take time.