metcalf34 Posted April 9, 2008 Report Share Posted April 9, 2008 What is the highest limit card you have right now? What was your score at the time you got the card and who did they pull?Sea Miles7500642-TU Link to comment Share on other sites More sharing options...
jq26 Posted April 9, 2008 Report Share Posted April 9, 2008 $5600 Starbucks Chase card. October 2007. Not sure which they pulled but 3yr old BK7 & mid 600s. Link to comment Share on other sites More sharing options...
Magdalen77 Posted April 9, 2008 Report Share Posted April 9, 2008 What is the highest limit card you have right now? What was your score at the time you got the card and who did they pull?Sea Miles7500642-TUAs of Sunday, the Chase Freedom card. Credit limit, $7000. They pulled TU, at the time it was about 680. Since then it gone down to 663 due to new cards reporting (reminder: no more new credit, Mags).You gave me another opportunity to brag about this. I know it's not much compared to what others have, but it's my first big CL. Link to comment Share on other sites More sharing options...
metcalf34 Posted April 9, 2008 Author Report Share Posted April 9, 2008 That is great! I just ask Chase for a CLI. Link to comment Share on other sites More sharing options...
Focus2069 Posted April 9, 2008 Report Share Posted April 9, 2008 8000 USAA mastercardDont know what my score was (low 600's probably) but they didnt even hard pull, they go off in house payment history.3000 USAA Amex as wellIt helps that I have checking, savings, auto loan, unsecured private loan, Mastercard, Amex, roth IRA, money market and auto insurance thru them. Link to comment Share on other sites More sharing options...
isislc Posted April 9, 2008 Report Share Posted April 9, 2008 NFCU for $8000 at 626 Fico Link to comment Share on other sites More sharing options...
McG Posted April 9, 2008 Report Share Posted April 9, 2008 $11k on my WaMu Visa and a $10k authorization with no pre-set limit on my Chase Signature VisaIt was only a few years ago when I had a $600 limit on my best card and was mad at all the people posting their big limits, so please take this as a sign that there's hope for all of you. It's taken me 5 LONG years to climb out of BK, and the first 4 were brutal and I never thought anyone would give me a $1000 limit before my 10 years were up. It can be done, just be patient and don't ever pay late. Link to comment Share on other sites More sharing options...
Moneedshelp Posted April 9, 2008 Report Share Posted April 9, 2008 Thanks for the encouragement Mack Link to comment Share on other sites More sharing options...
Fizzle1979 Posted April 9, 2008 Report Share Posted April 9, 2008 $5600 Citi pulled EQ around 717. Link to comment Share on other sites More sharing options...
jq26 Posted April 9, 2008 Report Share Posted April 9, 2008 For a bunch of folks with spotty credit histories, we certainly have some decent credit lines! Link to comment Share on other sites More sharing options...
Fizzle1979 Posted April 9, 2008 Report Share Posted April 9, 2008 I'm still impressed with Magdalen's $7K from Chase. I had to beg them for a $2K increase after two years of being with them and not ever being late or going over my limit. Link to comment Share on other sites More sharing options...
JustaTexan Posted April 9, 2008 Report Share Posted April 9, 2008 WOW! I feel like a nitwit for even posting this but my highest limit is Hooters for a credit card (at $1100), and for a store card it is the sterling trio at $1500. Don't know what my scores were exactly but they were in the high fives to low sixes ranges. So for all ya'll with all of those awesome limits, do you have to have a larger income to have higher limits like ya'll have? Or can you achieve good limits just with good credit and payment history? If not, I'm pretty much stuck at the $1500 mark then......... Link to comment Share on other sites More sharing options...
jq26 Posted April 9, 2008 Report Share Posted April 9, 2008 All these cards were opened after my BK7 late in 2004:Patelco Platinum $3000Providian Platinum: $3000Circuit City Chase $3000National City Platinum: $5000Starbucks Chase: $5600Cap One Platinum: $2000Juniper Platinum: $1000Target Visa: $1500Home Depot: $750Lowe's: $750I have had others, but have canceled them for one reason or another. I can't imagine how it is an income thing though. My income is not high, I just live way below it... Link to comment Share on other sites More sharing options...
McG Posted April 9, 2008 Report Share Posted April 9, 2008 To even have an unsecured card with scores in the high 500s or low 600s is really good, so don't sweat it. Like I said in my previous post, it takes time. Also, you'll find people on here with some crazy limits, like $40k or more, but most are struggling to get a secured card or a limit above $1000. Remember that your credit is unique, and your path to higher scores and bigger limits on better cards is going to be different. If you don't have a BK, once you clean up collections and such (by far the easiest of all credit repair) and establish some good cards, you could have a score in the high 700s and have access to prime cards and huge limits. If you do have BK, tax liens, judgements, etc., it's going to take more work (on positive TLs) and ultimately more patience because it's very difficult (read: near impossible) to get a legitimate public record off of your report and it hill hang over you for a long time to come.High income helps and while I've never done this, I imagine you could lie about your income. I've never ever heard of a credit card co. verifying income. Don't try it with a car or home loan, but a CC would probably work as long as you don't say you make $2 mil a year or something! 1 Link to comment Share on other sites More sharing options...
Fizzle1979 Posted April 9, 2008 Report Share Posted April 9, 2008 WOW! I feel like a nitwit for even posting this but my highest limit is Hooters for a credit card (at $1100), and for a store card it is the sterling trio at $1500. Don't know what my scores were exactly but they were in the high fives to low sixes ranges. So for all ya'll with all of those awesome limits, do you have to have a larger income to have higher limits like ya'll have? Or can you achieve good limits just with good credit and payment history? If not, I'm pretty much stuck at the $1500 mark then.........Ive been at my same job since I was 18 and I'm 28 now. I think that helps me GREAT amount. Link to comment Share on other sites More sharing options...
Moneedshelp Posted April 9, 2008 Report Share Posted April 9, 2008 High income helps and while I've never done this, I imagine you could lie about your income. I've never ever heard of a credit card co. verifying income. Don't try it with a car or home loan, but a CC would probably work as long as you don't say you make $2 mil a year or something!I think there was mention in a CU thread that income was verified after a cc request. Link to comment Share on other sites More sharing options...
jq26 Posted April 9, 2008 Report Share Posted April 9, 2008 On the cards I listed above, income was only verified by Patelco Credit Union. If I recall, I had to send them a paystub. All other cards were on the trust basis. So just tell them that you make $150k/year. They have no idea. If they call BS, then tell them that you can't verify and see what they say. Its about scores and tradelines. as soon as I started getting secured loans and paying them back right after my BK, I started getting approvals almost immediately, even getting some pre-approvals in the mail (Juniper and CapOne). My BK7 is still on all of my credit reports, as are three ugly IIB accounts and two collection accounts that are not even correct. They all stick like glue. Link to comment Share on other sites More sharing options...
JustaTexan Posted April 9, 2008 Report Share Posted April 9, 2008 Ive been at my same job since I was 18 and I'm 28 now. I think that helps me GREAT amount.Same here, but I'm only 25. I find it does help alot with things like car loans, mortgages, etc. Link to comment Share on other sites More sharing options...
JustaTexan Posted April 9, 2008 Report Share Posted April 9, 2008 High income helps and while I've never done this, I imagine you could lie about your income. I've never ever heard of a credit card co. verifying income. Don't try it with a car or home loan, but a CC would probably work as long as you don't say you make $2 mil a year or something!Well I do fudge the income a bit. Usually I put that I make like 37k a year, which is about 5 grand more than I actually do make. But even that is not much. I just wonder if people have gotten good limits with income like mine. Link to comment Share on other sites More sharing options...
JustaTexan Posted April 9, 2008 Report Share Posted April 9, 2008 I think there was mention in a CU thread that income was verified after a cc request.Yeah I've found alot of the CU's especially will verify income, especially on newer accounts. I also think I had to fax in income to Patelco. That's why I only add a little "extra padding" to the income. Not much, but a little just in case they do verify. Link to comment Share on other sites More sharing options...
Fizzle1979 Posted April 9, 2008 Report Share Posted April 9, 2008 Same here, but I'm only 25. I find it does help alot with things like car loans, mortgages, etc.I think that's a major factor. Link to comment Share on other sites More sharing options...
Magdalen77 Posted April 9, 2008 Report Share Posted April 9, 2008 I'm still impressed with Magdalen's $7K from Chase. I had to beg them for a $2K increase after two years of being with them and not ever being late or going over my limit.Chase likes me. I guess someone has to, other than the DF and my daddy. Link to comment Share on other sites More sharing options...
Fizzle1979 Posted April 9, 2008 Report Share Posted April 9, 2008 I like you, now give me some Chase luv. Link to comment Share on other sites More sharing options...
Magdalen77 Posted April 9, 2008 Report Share Posted April 9, 2008 WOW! I feel like a nitwit for even posting this but my highest limit is Hooters for a credit card (at $1100), and for a store card it is the sterling trio at $1500. Don't know what my scores were exactly but they were in the high fives to low sixes ranges. So for all ya'll with all of those awesome limits, do you have to have a larger income to have higher limits like ya'll have? Or can you achieve good limits just with good credit and payment history? If not, I'm pretty much stuck at the $1500 mark then.........My income isn't all that high. I'm a middle-aged, mid-level state bureaucrat. I think what helps me is that I've been at my job 15 years and I have a long credit history (which is getting less spotty every month:)). Link to comment Share on other sites More sharing options...
Magdalen77 Posted April 9, 2008 Report Share Posted April 9, 2008 High income helps and while I've never done this, I imagine you could lie about your income. I've never ever heard of a credit card co. verifying income. Don't try it with a car or home loan, but a CC would probably work as long as you don't say you make $2 mil a year or something!Both Pulaski Bank and National City did for me. Luckily, I didn't fib. Sometimes when an application says "total household income" I include half of the DF's income. Basically because I feel like I can justify and show half of it coming to me for bills, etc. Link to comment Share on other sites More sharing options...
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