- Centurion Member
- Posts: 4913
- Joined: Sun May 20, 2012 4:35 pm
- Location: WI
Yeah there are lots of posts on those subjects those are what most people want to know though - what were your stats when you got approved (so I can compare myself and weigh my odds of approval) and how do you get a cli.
In the end, you can get an idea but as I've said before, you just never know how a given lender will like you until you offer them your business by applying. Some love you, some are ok with you and some hate you and wouldn't pee on you if you were on fire.
In my case Elan really seems to like me as does FNBO, Discover was kind of meh about me they would approve me but the cards never grew even with great use, and Citi has never approved me for a single card, despite me having Amex, Discover, US Bank, Chase, etc. They've declined every app usually with silly reasons. I gave up on them. But that's what I mean, different lenders will see you differently, some folks with scores 100 points lower than mine got twice my limit to start with Discover. And Citi approves others with high limits every day, where some can't get an Amex to save their lives, or a Discover. So it's hard to set a lot of really hard and fast rules in stone.