- Centurion Member
- Posts: 1590
- Joined: Sun Jun 19, 2011 2:37 pm
- Location: Down South
chooseausername wrote:I have excellent credit and a debt to credit ratio of around 0%. No bankruptcies, no liens, no loans, no accounts sent to collections, no loan defaults, no home foreclosure, no judgements, never maxed out credit cards.
Which cards tend to be the most generous with the credit limit for new applicants?
In order to get a higher credit limit, is it better to get a second card from the same issuing bank or pick a different issuing bank?
Would a co-applicant, co-signer help increase the credit limit provided that the co-applicant, co-signer also has an excellent credit score, a debt to credit ratio of around 0%, and no bankruptcies, no liens, no loans, no accounts sent to collections, no loan defaults, no home foreclosure, no judgements, has never maxed out credit cards?
Bank of America gave me the highest starting limits. I think they tend to be very generous.
Chase was very generous with me, and I picked up their cards after having several others.
Discover started me out low, but has grown over time.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape