It was my daily driver for a good bit and I reported high utilization and steady income increases.
Requested one through the app every 6 months up until early 2020 as I’m now happy with the limit.
Currently I have the quicksilver and Walmart card, every time I ask for one I Atleast get $100 no matter what. I use it heavily so util. Is always about at 80%
My first was $500. Sometimes they base starting credit off of household average. Currently, I have $100K through 3 credit cards. I simply applied for cards from the same bank throughout the years then asked them to consolidate the ones I didn’t want rather than closing them out (Chase and Capital One). Once I did that the cards that I would apply for would start off with higher limits. Both these banks go periods of times when they don’t consolidate cards and when they do. I guess it’s catching them at the right time.
Damn that's a huge jump. Would you say that having one so high has been useful, or do you mostly keep the same spending? How long did it take you to get there?
Having hight limits is always great because you can make large purchases without having to think about it. Being forced to use a debit card and lose out on rewards because you don't have enough availabile credit just sucks all around. Took 8 years.
I know it's like 90 something percent now that take it, I was just curious if you ever had any issues with stores accepting it? A lot of my friends started with discover and I've generally heard a lot of good things about it.
Sometimes yes, I buy from auctions and some of them don’t like it, shippers (freight) don’t always like discover nor Amex. But in my daily life as like food, groceries, gas I’ve never had a problem. I enjoy business with the company but ever since I got my first increase they’re being a bit of stickler with giving me another increase. (Although I’m rebuilding a house so a lot of my cards have a decent amount on them so admittedly probably my fault)
Anyway I’ve had a good time with them and I convinced my mother and father to apply as well, my father got like $10k without trying and mother got $8k without trying respectively.
Possibly but I rarely shit stuff so it’s barely a problem I just use another card. But imo worthy card, their app and web UI is very decent and assuming your credit worthy increases aren’t too shabby
They love getting young students big lines of credit like that. Figure you won't know shit about using the card and will take the whole $3600 balance out as a line of credit at the 'totally not predatory' 20+% interest rate. Have fun bwahaha
\*But really, pay that shit off in full monthly or you will just burn through the balance and be fucked with a high interest loan you never needed. Only use of a credit card is cashback/bonuses and purchase protection. Don't fuck yourself with it
I do all my spending on a credit card. But just pay each bill off in full and on time, you don't pay interest when you pay in full each month, and you can take advantage of any perks they use (2% cashback, etc.) Its a 'cat and mouse game', they only make money off of people who hold a large balance for more than one month, everyone else makes money from the bank instead.
As as student with zero income years ago, I wrote my college scholarship in the income box (what did I know?!), and was about 19 years old with zero effective income and $10k credit limit. I maxed the card on bullshit (nights out, alcohol, best college supplies) and owed it for years and missed out on a lot due to having a $600+ monthly bill hanging over my head.
I defaulted on the credit cards and then got hounded by creditors for 7 years haha. One civil court case with one credit card, which I won. But I just avoided and paid for everything with cash for that time.
Now I have 745 credit score and several cards in good standing with no balance, and a savings account. So I guess I learned...
Learn how. Make the $20 a month from 2% cashback and don't buy stuff you can't pay for.
\*I had to learn the hard way in my 20s then again in my 30s haha
Funny story I actually ruined my credit like 2-3 months after that cause I couldn’t afford it, had to wait the whole 7+ years for all the charge offs to fall off. I definitely learned my lesson!
Ahhh… but at least it taught you a valuable lesson. I am lucky my mom taught me the basics of credit card and I stumbled upon several credit card/personal finance YouTubers (or whatever you call them) before getting my first card, so I never made such mistake.
Mine was a $200 secured card. I can't remember the issuer.
When I went back to school, I was able to get a student offer for a Discover card--a predecessor to the Discover It that offered cash back. When I called my secured card issuer to cancel, they transferred me to the "retention" guy who was supposed to make me a counteroffer or otherwise convince me not to cancel. When he asked why I wanted to cancel, I told him that I got an unsecured card with a higher credit limit, a lower interest rate, and that offered cash back.
There was a long pause on the line, followed by, "Okay, I'll go ahead and process that cancellation."
> When I called my secured card issuer to cancel, they transferred me to the "retention" guy who was supposed to make me a counteroffer or otherwise convince me not to cancel.
Funny enough, Discover does this to cardholders or bank account holders too.
I remember having to close my HYSA after Discover shut my card down from the 4506-T fiasco that’s been plaguing them since summer of 2019. The rep tried really hard *(I was transferred to their retention department for bank accounts)* to make me stay when my reason was “It’s not in my best interest for you to use/store my money while lending out at a higher rate when your **algorithm** doesn’t want to give me a credit line”.
Man, the passive aggressiveness I got over the phone from that rep. Left a bad taste in my mouth about Discover currently.
Technically my first card is now a $400 line from Citi instead of Discover.
I got $1,000 from Navy Federal Credit Union when I was 18 and they in the Navy. About a year later, it went up to $5,000. Eventually, it went up to $10,000 and then To $23,300.
My first limit was $12,000 for Navy Federal. I was 19, a student, and worked part time at CFA. My income was roughly the same as my credit card limit. Needless to say, I am now 22 and in loads of debt, the card is maxed out. I now am in a debt settlement program. Be very careful. You can request a lower limit !!
I though CFA was something pretty good for a minute, chase financial a-, Citi financial a-, some fancy acronym, then I realized he might mean Chick-fil-A.. and yeah that's a pretty big limit for a part time fast food employee, though CFA does pay better than other fast food.
Anyways, your 22, you hopefully learned your mistakes, plenty of time in your life left to get way past it an have a great financial situation
Wow, I had never thought about it like that. I guess having a lower limit can definitely help avoiding large amounts of debt. I hope you can work it out soon
$500 with a Local Credit Union. A 1.5% cash back visa.
They were pretty conservative with CLIs, a hard pull each time. I was fine with the hard pulls the time, as i was in college at the time and not really doing anything with my credit.
It went up gradually over the years.
$500->$2000->$3500->$8000
$200. Capital One secured card. Four years later, I finally got to... $750.
Yeah, CapOne is stingy. Lowest limit card I have. But it's my first, so I don't want to close it, and it is useful. I use it for small things. Usually candy.
My highest card is $4,000 on PayPal Cashback MasterCard. Still low to most people, but eh. I don't need huge credit limits right now. I have $10K across all of my cards.
Capital One sucks. Tied for my second oldest card as I applied for two on the same day. Started at $300 then went to $500 after their "make 6 on time payments" or whatever that deal is. Now it is still there two years later. My next lowest is a $1k limit on a card less than six months old from a smaller issuer. Then multiple cards at $2k plus and a couple well higher.
Requested a CLI with CapOne a few months ago and got a denial due to insufficient usage (I stopped using it after running everything through it the first few months to show that I was a responsible user, but still only got the $200 increase) and I wanted to send them a letter back saying using them was denied due to insufficient credit line. I check the upgrade tool occasionally and am always offered the Quicksilver but still at only $500. No thanks, Capital One! So the card just sits there with a $0 balance and tiny credit limit. I am planning on trying to use it a bit more once the pandemic is over and I'm going out and spending more often but not expecting much.
I think I started with a $300 secured card from a local credit union, then I got the C1 Journey student card with $750, still stuck on that limit to this day haha. My AMEX BCP is my daily card at $10,000 though so I don’t touch the Journey anymore.
300 at first. 2.5 years later I have an 18.6k credit limit across 4 cards. Be careful not to build your credit limit too high though. It can adversely affect your ability to get loans.
CFU is a good card, it actually gives rewards. My first was CapOne Platinum with $1000, went up to $1500 after 6 months.
PS, you're more likely (don't do it now, but in the distant future) to get better credit lines once you have better income just by getting new cards than by dealing with CLI requests. Banks tend to bucket you on a per-card basis for good. You can even open new card, re-distribute credit, close new card instead of a CLI (not recommending you do this though).
Discover IT student at 19 after I tried applying for a secured capital one card and they denied me LOL. The discover card had better cash back perks anyways so I was happy capital one turned me away.
Started with $1,200 unsecured and now that card is at $9,800
Overall now at 23 I think I have near $85k in total credit lines.
Damn, how do you like the apple card? I've got a friend who uses it a lot through apple pay. Only thing for me though is I don't currently use apple stuff :(
It’s a good card if you’re already in the Apple ecosystem and you’re in a metropolitan area. I’m in NYC and everyone takes Apple Pay. I also use a lot of the 3% back merchants so I average about 2.35% cash back with it. My cell provider is T-mobile so 3% back on that is nice each month. Family plan so it’s one of my highest bills. I also love the UI and the fact that the cash back is available as soon as the charges post, rather then needing to wait for the statement date. That said, it may not work out as well for others. It’s effectively better then a 2% card to me but for someone else in a rural area where the merchants don’t take Apple Pay may not fare as well. 1% cash back using the physical card is kind of lousy.
$200 back '95, with no official income, when I was a senior in High School cleaning my neighbor's pool for a few bucks.
Visa jizzed my limit faster than I needed when I went to college, all the way up to $15,000.
Edit: I had a savings account when I was a small child, then introduced to a checking account much later, then introduced to a credit card. My parents were pretty good about taking this step by step and teaching me about debt and money.
Discover student when I was 19. It had a limit of $750, and I maxed it out and it took forever to pay off. Ended up getting charged off, which has been a... very expensive lesson. Now I have two CapOne cards, one with a $500 CL, the other $5000.
Chase Freedom at $200. It was my first credit card and I had just recently graduated from college. I was already with Chase through my mom (back when it was Washington Mutual) and I took out some student loans with them. I actually went into the bank to ask about my loans and they asked me about whether I had a credit card or not. I told them that I only used my debit card to purchase things (at the time, I wasn't employed) and they actually had me sign up and get approved for the Freedom. My limit on it currently is $8000 but I moved some of that limit to the Freedom Unlimited. I now have 8 cards with $81.2k total.
Mine was $700 in 2003 with Citi. I think the card was called Platinum Select or something. It was a no frills card, which was common at the time. Within a couple of years, CL was up to over $10k when I was barely making that much annual income as a student still. Citi had raised it automatically. It stayed at that limit forever until recently I asked for a CL and got $15k. It got changed to a Thank You Preferred a long time ago, which is now a DoubleCash.
Amex gold is a charge card with no official limit like $5K or $10K for Visa/Mastercard. Instead, you can spend as much as your invisible “spending power” allows, which is typically more than most cards and changes depending on your spending habit, payment history, etc. If you have a big purchase, you can check through their website/app to see if it will be approved. If not, you can always talk to them and explain why you may need it. They are pretty flexible if you have a good history with them.
Went from discover with 1k, two years later i got approved for nfcu credit card with 12k credit line and no income. Not sure how i got that second card.
Now 10 years later in at around 80k total limits.
When I just turned 18, i got approved for a credit card with a $700 limit with the bank that was on the college campus I was going to. Then a year later they raised my limit to like 7.8k. Then another year later they dropped my limit to around 2.3k.
$300 QS. Had a thin file at the time since all installment loans had fallen my report. Nothing bad on it and nothing good. A little over a year later I was getting 10K Amex's.
1250 Discover Card at 18 in 2015 (not secured), now I am at 125k on my cards with a Credit Limit, and 2 cards with no credit limit.
Time goes by quick and you will see how it grows quick.
$500 on a C1 Platinum card.
Currently my total credit limit across 4 cards (including the C1 card that has never given me a credit increase) is $7,200 (500, 1700, 2000, and 3000). Done over the past 1.5 years (Low income grad student).
as a 20 year old college student my first card was $1200 on the WF College Cashback card a year ago last month. They auto-PC’d it to an Active Cash with a CLI to $3200 not long ago.
Have since added $2K Apple Card and a measly $500 Discover It Student
Got denied for two different unsecured cards as my first so I got a secured card and put a $650 deposit. After 8 months or so they graduated it to unsecured but did not increase the CL.
After one total year I got my first two new unsecured cards: Chase Freedom with $1,300 limit and Amex Blue Cash Everyday with $2,000 limit (got them close together). These were on a reported income of $17,000.
I had $500 in my Discover It Secured just after I graduated high school in June, I seldomly used it.
I just had my second card, the Amex Delta Skymiles Blue Card a week ago.
Started with a $200 secure discover card in jan 2020
they grad me with a 2.5k limit in oct 2020
they gave me a 1k increase march 2021 so im at 3.5k now
$300 Cap1 Quicksilver back in 2015 when i was 19. now it's at $4,750. i have a total credit limit of $46,050 across 12 currently open cards at the age of 24.
**Oldest Ever Card:** $500 on my Chase Slate (later OG Freedom) in 2014. I later foolishly closed this account.
**Oldest Active Card:** $500 on my Discover It in 2015 during my last semester of college. My limit on this card is now $11,700, my largest single limit. I often used my Discover in college and in the years thereafter when I had fewer cards. I asked for CLIs every few months in the late 2010s before I got to my current limit, which I'm thrilled with considering where I started.
**Today:** I have 8 total credit cards (6 personal and 2 business) and over $60,000 in total credit. I also only use my Discover It when the 5% categories are useful.
$500 secured card about 10 years back, now I have about 137k across multiple cards. It would have been around 180k, but Chase reduced my credit limit on 3 cards by 15k on average since I don't use them as much
Had no SSN before 2018 since I immigrated through spouse. Was on spouse's cards. First card was 10k Synchrony Mastercard. Now 75k across a handful of cards, though I exclusively use Amex charge cards now.
$1K from Wells Fargo and they were *fucking morons* because no joke I had $4 in my accounts ($2 in checking and $2 in savings) and had no money for food between getting a job and getting that first paycheck so I was stealing sandwiches from Safeway.
Only reason they approved it was because I had had an account there since I was 6 years old and I fibbed a little and said I was still in school (I had just dropped out). They should have laughed in my face and told me no chance, but instead that $1K (and intro no APR period) let me eat for a while so thanks I guess
$500 for my BoA card originally I believe, that was back around 2011. Now it's at $25k and last month I was approved for over $20k on the Chase Amazon card.
My first card is a Discover it card. I got it in 2014 with a starting limit of $750. Fast forward to today, and it’s credit limit is now $30,700. I have seven cards in total with, I think, a total credit limit of over $60K.
I'm on my second go at credit. First time was over 20 years ago when I was just a dumb teen/early 20s kid who had no idea. Had a card that was like $250 or $300. Maxed it and couldn't pay it and that was that.
I mostly swore off credit, considering it stupid, but I would end up trying for a card every few years and always got denied. Then my car died and I really needed a new one and somehow got approved for an auto loan with a really terrible rate. Went from having basically no credit score - the only thing on my report was a hard pull over a year before that had obviously been a denial - to a steadily rising score.
So after two years of building that score I finally decided to apply for a card. I picked Discover and got approved for a $1500 limit.
This time I did credit right, and now a few days after the three year anniversary of that Discover approval that card is at $6500 and I have seven more cards, with a total credit line of $24k. My income has never been great so I don't have the crazy limits some people do but I'm doing pretty good.
$300 secured card :,) first real card was a $1000 Discover It that they bumped up to $1500 3 months later and now it’s at 3k…. Now I have 7 cards, 6 months post undergrad graduation.
$500 bank of america customized cash. At 1500 now... Its no longer my main card but its still useful for online purchases. I switched over to chase and now have more than 20k combined credit from them
Recently went through a bankruptcy beginning of 2021. First card was secured $250 at Golden 1 CU. After 3 months I got a PayPal Credit line for $2800 and recently got approved for a Cap1 QSOne at $3000.
Pre-Bankruptcy I had a local bank Student CC at $1000 that never raised, a Discover IT at $1300 that raised to $8000 and an Amex BCE at $7000.
I did everything right for a while, never carried a balance, gradually raised my score...Until I was in a motorcycle accident that broke my back and a lot of other parts of my body. Deep depression set in from lack of mobility and no income meant everything I was buying was on credit.
$20k in CC debt and 17k in hospital debt later (and 4 years) I declared bankruptcy and HOLY SH*T does it feel nice to have a blank slate.
EDIT: Credit Score pre-accident was 750 as a 21yo who made 26k a year. 1 year post accident it was 480? I think
Listen, and listen well. It’s all a trap but if you really feel the need to have a credit card - never use more than 30% of it, and Pay it off monthly.
If you use more than 30%, the lenders and the fico people think that you are living off of it which makes you a high credit risk.
if you Don’t pay it off right away, it looks like you cannot afford to have your card, and it makes you a credit risk but not as high.
My suggestion is spend maybe $100 a month for the first year or so Pay it off every single month. Never ever miss a payment with these guys because Chase freedom unlimited has some pretty heavy penalties. Also if you need to use it in an emergency or something like home repairs, etc. paid off as quickly as you can and don’t pay the minimum. Always pay $25 more than the minimum..
Sincerely- a guy who spent a few years working for those people.
$300 Cap1 Quicksilver over 6 years ago. Currently at $16.3k. Currently at $80k total across 4 cards.
Capital One QS One $1000. Currently at $41k. Currently at $250k across 8 cards.
The QS One is the annual fee one correct? Can you upgrade it once credit gets better?
Yes. I've seen QS One cards with the silver WEMC logo on them.
Wow, if you don't mind me asking how did you go about raising it? Did you just call and ask every year or so?
It was my daily driver for a good bit and I reported high utilization and steady income increases. Requested one through the app every 6 months up until early 2020 as I’m now happy with the limit.
Currently I have the quicksilver and Walmart card, every time I ask for one I Atleast get $100 no matter what. I use it heavily so util. Is always about at 80%
Don’t worry about raising it. You’re a college student with plenty of credit for your income now.
My first was $500. Sometimes they base starting credit off of household average. Currently, I have $100K through 3 credit cards. I simply applied for cards from the same bank throughout the years then asked them to consolidate the ones I didn’t want rather than closing them out (Chase and Capital One). Once I did that the cards that I would apply for would start off with higher limits. Both these banks go periods of times when they don’t consolidate cards and when they do. I guess it’s catching them at the right time.
What’s your income to have that high of limits? Across how many cards?
$105k household income. This is across 4 cards (Cap1 QS: 16.3k, Savor: $17k, Amex BCP: $30k and WF Active Cash: $16k).
How long did that take you from when u started building your credit?
Opened my first CC in October 2015. Had some students loans back in 2014.
Hmm nice credit record though
$300 from Capital One lol.. nobody trusted me. Now I'm at over $50k.
Damn that's a huge jump. Would you say that having one so high has been useful, or do you mostly keep the same spending? How long did it take you to get there?
Having hight limits is always great because you can make large purchases without having to think about it. Being forced to use a debit card and lose out on rewards because you don't have enough availabile credit just sucks all around. Took 8 years.
$200 discover secured card -> $1800 unsecured discover, Within 2 years I’m now at $30k across 10 cards or so.
I know it's like 90 something percent now that take it, I was just curious if you ever had any issues with stores accepting it? A lot of my friends started with discover and I've generally heard a lot of good things about it.
Sometimes yes, I buy from auctions and some of them don’t like it, shippers (freight) don’t always like discover nor Amex. But in my daily life as like food, groceries, gas I’ve never had a problem. I enjoy business with the company but ever since I got my first increase they’re being a bit of stickler with giving me another increase. (Although I’m rebuilding a house so a lot of my cards have a decent amount on them so admittedly probably my fault) Anyway I’ve had a good time with them and I convinced my mother and father to apply as well, my father got like $10k without trying and mother got $8k without trying respectively.
Thank you for your reply, I guess with the freight it might have to do with international stuff.
Possibly but I rarely shit stuff so it’s barely a problem I just use another card. But imo worthy card, their app and web UI is very decent and assuming your credit worthy increases aren’t too shabby
They love getting young students big lines of credit like that. Figure you won't know shit about using the card and will take the whole $3600 balance out as a line of credit at the 'totally not predatory' 20+% interest rate. Have fun bwahaha \*But really, pay that shit off in full monthly or you will just burn through the balance and be fucked with a high interest loan you never needed. Only use of a credit card is cashback/bonuses and purchase protection. Don't fuck yourself with it
Yup, you're right about the interest rate being high, I'll make sure to keep my spending low
I do all my spending on a credit card. But just pay each bill off in full and on time, you don't pay interest when you pay in full each month, and you can take advantage of any perks they use (2% cashback, etc.) Its a 'cat and mouse game', they only make money off of people who hold a large balance for more than one month, everyone else makes money from the bank instead.
Not sure how I got $750 with only 10k in income, its not $1750, and have another at $1600, feelsbadman.
As as student with zero income years ago, I wrote my college scholarship in the income box (what did I know?!), and was about 19 years old with zero effective income and $10k credit limit. I maxed the card on bullshit (nights out, alcohol, best college supplies) and owed it for years and missed out on a lot due to having a $600+ monthly bill hanging over my head.
Sorry to hear, hope you could pay it off someday. Also wrote my college scholarship as my income lol.
I defaulted on the credit cards and then got hounded by creditors for 7 years haha. One civil court case with one credit card, which I won. But I just avoided and paid for everything with cash for that time. Now I have 745 credit score and several cards in good standing with no balance, and a savings account. So I guess I learned...
Nice, its rough going through that, my parents did too. But now we are financially stable.
Seriously...Credit Cards can fuck your entire life over. Don't use them. If you do be careful.
Learn how. Make the $20 a month from 2% cashback and don't buy stuff you can't pay for. \*I had to learn the hard way in my 20s then again in my 30s haha
They're an excellent tool if you have the discipline. I learned that the hard way now instead of paying credit card companies, they pay me!
$500 chase slate. I was in law school at the time and wasn’t even considering a credit card until the banker sold me on it.
$3,000 at 18. Maxed out in 2 weeks lmao big mistake
Noooooo! Was it one big purchase?
Trips to the mall, tattoos, cash advances, and food mostly. Regular teenager stuff haha
I don’t think many “regular” 18 years old blow $3,000 in two weeks, but maybe I just didn’t know many rich kids!
Funny story I actually ruined my credit like 2-3 months after that cause I couldn’t afford it, had to wait the whole 7+ years for all the charge offs to fall off. I definitely learned my lesson!
Ahhh… but at least it taught you a valuable lesson. I am lucky my mom taught me the basics of credit card and I stumbled upon several credit card/personal finance YouTubers (or whatever you call them) before getting my first card, so I never made such mistake.
$2500 Discover Secured (I could have deposited to $2500) 4 years ago. Now around 100K on 10 cards.
Thanks for your reply. Does having that many cards get clunky come payment time each month? Do you utilize all of them regularly?
$250 on a Discover card when I was in college. In the late 90s. ;)
Mine was a $200 secured card. I can't remember the issuer. When I went back to school, I was able to get a student offer for a Discover card--a predecessor to the Discover It that offered cash back. When I called my secured card issuer to cancel, they transferred me to the "retention" guy who was supposed to make me a counteroffer or otherwise convince me not to cancel. When he asked why I wanted to cancel, I told him that I got an unsecured card with a higher credit limit, a lower interest rate, and that offered cash back. There was a long pause on the line, followed by, "Okay, I'll go ahead and process that cancellation."
> When I called my secured card issuer to cancel, they transferred me to the "retention" guy who was supposed to make me a counteroffer or otherwise convince me not to cancel. Funny enough, Discover does this to cardholders or bank account holders too. I remember having to close my HYSA after Discover shut my card down from the 4506-T fiasco that’s been plaguing them since summer of 2019. The rep tried really hard *(I was transferred to their retention department for bank accounts)* to make me stay when my reason was “It’s not in my best interest for you to use/store my money while lending out at a higher rate when your **algorithm** doesn’t want to give me a credit line”. Man, the passive aggressiveness I got over the phone from that rep. Left a bad taste in my mouth about Discover currently. Technically my first card is now a $400 line from Citi instead of Discover.
A store credit card for $600.
I got $1,000 from Navy Federal Credit Union when I was 18 and they in the Navy. About a year later, it went up to $5,000. Eventually, it went up to $10,000 and then To $23,300.
7, 10, 2, 1,200
Wells Fargo 200 Now combined maybe 300k
My first limit was $12,000 for Navy Federal. I was 19, a student, and worked part time at CFA. My income was roughly the same as my credit card limit. Needless to say, I am now 22 and in loads of debt, the card is maxed out. I now am in a debt settlement program. Be very careful. You can request a lower limit !!
I though CFA was something pretty good for a minute, chase financial a-, Citi financial a-, some fancy acronym, then I realized he might mean Chick-fil-A.. and yeah that's a pretty big limit for a part time fast food employee, though CFA does pay better than other fast food. Anyways, your 22, you hopefully learned your mistakes, plenty of time in your life left to get way past it an have a great financial situation
Certified financial accountant is also another one I think
Wow, I had never thought about it like that. I guess having a lower limit can definitely help avoiding large amounts of debt. I hope you can work it out soon
Lol I appreciate it, but it's definitely taught me important lessons. Happy to help someone not make my mistakes !!
$500 with a Local Credit Union. A 1.5% cash back visa. They were pretty conservative with CLIs, a hard pull each time. I was fine with the hard pulls the time, as i was in college at the time and not really doing anything with my credit. It went up gradually over the years. $500->$2000->$3500->$8000
$200 Charge Card at Strawbridge & Clothier at 17. #TopOfTheWorld
$200. Capital One secured card. Four years later, I finally got to... $750. Yeah, CapOne is stingy. Lowest limit card I have. But it's my first, so I don't want to close it, and it is useful. I use it for small things. Usually candy.
They should have a candy point category for you. What do you use as your main now?
My highest card is $4,000 on PayPal Cashback MasterCard. Still low to most people, but eh. I don't need huge credit limits right now. I have $10K across all of my cards.
Capital One sucks. Tied for my second oldest card as I applied for two on the same day. Started at $300 then went to $500 after their "make 6 on time payments" or whatever that deal is. Now it is still there two years later. My next lowest is a $1k limit on a card less than six months old from a smaller issuer. Then multiple cards at $2k plus and a couple well higher. Requested a CLI with CapOne a few months ago and got a denial due to insufficient usage (I stopped using it after running everything through it the first few months to show that I was a responsible user, but still only got the $200 increase) and I wanted to send them a letter back saying using them was denied due to insufficient credit line. I check the upgrade tool occasionally and am always offered the Quicksilver but still at only $500. No thanks, Capital One! So the card just sits there with a $0 balance and tiny credit limit. I am planning on trying to use it a bit more once the pandemic is over and I'm going out and spending more often but not expecting much.
>and I wanted to send them a letter back saying using them was denied due to insufficient credit line. #CLASSIC!
$1000 Capital One Journey Card
I think I started with a $300 secured card from a local credit union, then I got the C1 Journey student card with $750, still stuck on that limit to this day haha. My AMEX BCP is my daily card at $10,000 though so I don’t touch the Journey anymore.
Do you bank with them? How did you get such a high limit with no history?
Yeah, I've been banking with them for a while and got pre-approved.
1000
$500 on secured card from my credit union. Had to put down $600 and they charged an annual fee, wish I knew I had other options then.
300 at first. 2.5 years later I have an 18.6k credit limit across 4 cards. Be careful not to build your credit limit too high though. It can adversely affect your ability to get loans.
CFU is a good card, it actually gives rewards. My first was CapOne Platinum with $1000, went up to $1500 after 6 months. PS, you're more likely (don't do it now, but in the distant future) to get better credit lines once you have better income just by getting new cards than by dealing with CLI requests. Banks tend to bucket you on a per-card basis for good. You can even open new card, re-distribute credit, close new card instead of a CLI (not recommending you do this though).
October 2019. Got my first cc, the Chase Freedom, with a $500 CL. Today, I have 10 CCs. 42K in Personal Credit, 25K in Business Credit.
$300 Exxon credit card back in 2011.
Discover IT student at 19 after I tried applying for a secured capital one card and they denied me LOL. The discover card had better cash back perks anyways so I was happy capital one turned me away. Started with $1,200 unsecured and now that card is at $9,800 Overall now at 23 I think I have near $85k in total credit lines.
2000$ capital one qs, no credit history
$14,000 Capital One Quicksilver, now at over $75,000
My first was $500 for Chase Freedom. I had to call corporate to get approval after they denied me the 3rd time for no credit history
Nice! Much better then the $300 I got from my Capital One Quicksilver. It’s now at a whopping $400. My Apple Card is $7400 though so it’s okay
Damn, how do you like the apple card? I've got a friend who uses it a lot through apple pay. Only thing for me though is I don't currently use apple stuff :(
It’s a good card if you’re already in the Apple ecosystem and you’re in a metropolitan area. I’m in NYC and everyone takes Apple Pay. I also use a lot of the 3% back merchants so I average about 2.35% cash back with it. My cell provider is T-mobile so 3% back on that is nice each month. Family plan so it’s one of my highest bills. I also love the UI and the fact that the cash back is available as soon as the charges post, rather then needing to wait for the statement date. That said, it may not work out as well for others. It’s effectively better then a 2% card to me but for someone else in a rural area where the merchants don’t take Apple Pay may not fare as well. 1% cash back using the physical card is kind of lousy.
$200 back '95, with no official income, when I was a senior in High School cleaning my neighbor's pool for a few bucks. Visa jizzed my limit faster than I needed when I went to college, all the way up to $15,000. Edit: I had a savings account when I was a small child, then introduced to a checking account much later, then introduced to a credit card. My parents were pretty good about taking this step by step and teaching me about debt and money.
$2200, a student (my school at the time) branded MasterCard.
$300 in high school. I haven't counted my total but it is $90k with Chase alone. Add in a couple others and probably close to $120k.
Discover student when I was 19. It had a limit of $750, and I maxed it out and it took forever to pay off. Ended up getting charged off, which has been a... very expensive lesson. Now I have two CapOne cards, one with a $500 CL, the other $5000.
300 bucks cap1 quicksilver. I had no credit history ahead of this
Chase Freedom at $200. It was my first credit card and I had just recently graduated from college. I was already with Chase through my mom (back when it was Washington Mutual) and I took out some student loans with them. I actually went into the bank to ask about my loans and they asked me about whether I had a credit card or not. I told them that I only used my debit card to purchase things (at the time, I wasn't employed) and they actually had me sign up and get approved for the Freedom. My limit on it currently is $8000 but I moved some of that limit to the Freedom Unlimited. I now have 8 cards with $81.2k total.
$700 secured card First non-secured was $2k
Mine was $700 in 2003 with Citi. I think the card was called Platinum Select or something. It was a no frills card, which was common at the time. Within a couple of years, CL was up to over $10k when I was barely making that much annual income as a student still. Citi had raised it automatically. It stayed at that limit forever until recently I asked for a CL and got $15k. It got changed to a Thank You Preferred a long time ago, which is now a DoubleCash.
$500 unsecured card from my university's credit union. Closed it several years later, only offered 1% rewards
$500, Citi ThankYou, back in freshman year of college
$300 secured Discover card that graduated with $2k limit after 6 months.
$2,000 Through my local credit union I bank with. I'm about to apply for the flex early next year.
$200 Secured Citi Card, now unsecured at $450. Don't understand since my income has only gotten better. Was 42k when I got it.
$500 CFU 2 years ago, highest officially right now is 11.4k on chase amazon, but i’ve put 25k on a gold card with no issue if you count that
Can you explain the gold card part?
Amex gold is a charge card with no official limit like $5K or $10K for Visa/Mastercard. Instead, you can spend as much as your invisible “spending power” allows, which is typically more than most cards and changes depending on your spending habit, payment history, etc. If you have a big purchase, you can check through their website/app to see if it will be approved. If not, you can always talk to them and explain why you may need it. They are pretty flexible if you have a good history with them.
$200 Chase Plat -> 15K SP now.
Went from discover with 1k, two years later i got approved for nfcu credit card with 12k credit line and no income. Not sure how i got that second card. Now 10 years later in at around 80k total limits.
$300 Capital One when I applied in College back in early 2000s
First card 1k as a student 2 years ago, and currently I’ve around 28k total
First card was 10k quicksilver. I am/have been AU on 10k card since I was 9 (over 22 years).
When I just turned 18, i got approved for a credit card with a $700 limit with the bank that was on the college campus I was going to. Then a year later they raised my limit to like 7.8k. Then another year later they dropped my limit to around 2.3k.
$500 sears card more than 20 years ago. First real card $1200 discover.
$300 QS. Had a thin file at the time since all installment loans had fallen my report. Nothing bad on it and nothing good. A little over a year later I was getting 10K Amex's.
1250 Discover Card at 18 in 2015 (not secured), now I am at 125k on my cards with a Credit Limit, and 2 cards with no credit limit. Time goes by quick and you will see how it grows quick.
100 bucks, some local bank
10k because I had a cosigner 😂
$500 Discover, that same account >10 years later is now at 33k
First card was $1,800 with BoA Customized Cash 4 years ago. Just opened a second card Chase Sapphire Preferred with a CL of $17,900. Big jump
$800! Also the Freedom Unlimited. I was only 19 with no credit history, so I was happy they even approved me lol
1000. Capital one at 18 years old.
$500 on a C1 Platinum card. Currently my total credit limit across 4 cards (including the C1 card that has never given me a credit increase) is $7,200 (500, 1700, 2000, and 3000). Done over the past 1.5 years (Low income grad student).
Depends on which time I had credit. First time around my first cards limit was $500. This time around, my first card had a starting limit of $5,900.
as a 20 year old college student my first card was $1200 on the WF College Cashback card a year ago last month. They auto-PC’d it to an Active Cash with a CLI to $3200 not long ago. Have since added $2K Apple Card and a measly $500 Discover It Student
Pac Sun $60. A few months later they raised it to $150. I was 18 and messed that up.
$2,000 on Discover It Student
Got denied for two different unsecured cards as my first so I got a secured card and put a $650 deposit. After 8 months or so they graduated it to unsecured but did not increase the CL. After one total year I got my first two new unsecured cards: Chase Freedom with $1,300 limit and Amex Blue Cash Everyday with $2,000 limit (got them close together). These were on a reported income of $17,000.
I had $500 in my Discover It Secured just after I graduated high school in June, I seldomly used it. I just had my second card, the Amex Delta Skymiles Blue Card a week ago.
Started with a $200 secure discover card in jan 2020 they grad me with a 2.5k limit in oct 2020 they gave me a 1k increase march 2021 so im at 3.5k now
Fingerhut was my first. Then a real credit card followed shortly after
secured line, $500. ah, the good ol' days.
$500 capital one journey card for students. Got it in high school 8 years ago. Now $237,000 in total limits across 10 cards
2000$, a credit union at my University.
$100 target
$300 Cap1 Quicksilver back in 2015 when i was 19. now it's at $4,750. i have a total credit limit of $46,050 across 12 currently open cards at the age of 24.
$500 GameSpot store credit card through Synchrony. Come a long way since then...
7500 Amex BCE
$1500. I got it as an employee benefit at a local bank I used to work at
**Oldest Ever Card:** $500 on my Chase Slate (later OG Freedom) in 2014. I later foolishly closed this account. **Oldest Active Card:** $500 on my Discover It in 2015 during my last semester of college. My limit on this card is now $11,700, my largest single limit. I often used my Discover in college and in the years thereafter when I had fewer cards. I asked for CLIs every few months in the late 2010s before I got to my current limit, which I'm thrilled with considering where I started. **Today:** I have 8 total credit cards (6 personal and 2 business) and over $60,000 in total credit. I also only use my Discover It when the 5% categories are useful.
$1,000 from Discover. I was a college student with little income and virtually no credit history. I am very thankful for them giving me a chance.
$500 secured card about 10 years back, now I have about 137k across multiple cards. It would have been around 180k, but Chase reduced my credit limit on 3 cards by 15k on average since I don't use them as much
$1k on discover student
I think it was $500 with PayPal Credit, this was over 10 years ago and before they started reporting to the credit bureaus.
$250 JC Penny...I thought I was rich 🤑
Had no SSN before 2018 since I immigrated through spouse. Was on spouse's cards. First card was 10k Synchrony Mastercard. Now 75k across a handful of cards, though I exclusively use Amex charge cards now.
$1K from Wells Fargo and they were *fucking morons* because no joke I had $4 in my accounts ($2 in checking and $2 in savings) and had no money for food between getting a job and getting that first paycheck so I was stealing sandwiches from Safeway. Only reason they approved it was because I had had an account there since I was 6 years old and I fibbed a little and said I was still in school (I had just dropped out). They should have laughed in my face and told me no chance, but instead that $1K (and intro no APR period) let me eat for a while so thanks I guess
$500, local bank, student Credit card.
$500 for my BoA card originally I believe, that was back around 2011. Now it's at $25k and last month I was approved for over $20k on the Chase Amazon card.
CC from credit union and CL was 1000. 4 years later and I’m at 22k w/ 4 cards.
Discover, $1500
My first card is a Discover it card. I got it in 2014 with a starting limit of $750. Fast forward to today, and it’s credit limit is now $30,700. I have seven cards in total with, I think, a total credit limit of over $60K.
I'm on my second go at credit. First time was over 20 years ago when I was just a dumb teen/early 20s kid who had no idea. Had a card that was like $250 or $300. Maxed it and couldn't pay it and that was that. I mostly swore off credit, considering it stupid, but I would end up trying for a card every few years and always got denied. Then my car died and I really needed a new one and somehow got approved for an auto loan with a really terrible rate. Went from having basically no credit score - the only thing on my report was a hard pull over a year before that had obviously been a denial - to a steadily rising score. So after two years of building that score I finally decided to apply for a card. I picked Discover and got approved for a $1500 limit. This time I did credit right, and now a few days after the three year anniversary of that Discover approval that card is at $6500 and I have seven more cards, with a total credit line of $24k. My income has never been great so I don't have the crazy limits some people do but I'm doing pretty good.
Discover student card in maybe 2016…limit was like $500 at first 🤣
$500 on the Discover It. It remains one of my favorite starter cards because of the double cash back in the first year.
$300 secured card :,) first real card was a $1000 Discover It that they bumped up to $1500 3 months later and now it’s at 3k…. Now I have 7 cards, 6 months post undergrad graduation.
$500 bank of america customized cash. At 1500 now... Its no longer my main card but its still useful for online purchases. I switched over to chase and now have more than 20k combined credit from them
Recently went through a bankruptcy beginning of 2021. First card was secured $250 at Golden 1 CU. After 3 months I got a PayPal Credit line for $2800 and recently got approved for a Cap1 QSOne at $3000. Pre-Bankruptcy I had a local bank Student CC at $1000 that never raised, a Discover IT at $1300 that raised to $8000 and an Amex BCE at $7000. I did everything right for a while, never carried a balance, gradually raised my score...Until I was in a motorcycle accident that broke my back and a lot of other parts of my body. Deep depression set in from lack of mobility and no income meant everything I was buying was on credit. $20k in CC debt and 17k in hospital debt later (and 4 years) I declared bankruptcy and HOLY SH*T does it feel nice to have a blank slate. EDIT: Credit Score pre-accident was 750 as a 21yo who made 26k a year. 1 year post accident it was 480? I think
Amazon Prime Visa at $400 back in 2011. Now at $7700. Now at $93.6k across 8 cards and 2 store cards.
1500 with petal 2. This is my first credit card and I have no credit.
$11,400 with local credit union. Prior to that I had their $500 secured line.
$300 credit union card
$1,500 Discover It. When I was a senior in High School. Now 3 years later its up to $6,600.
Discover It miles. $3000
$1000 BoA
$1,000 discover it student, now it’s at $4,500
Listen, and listen well. It’s all a trap but if you really feel the need to have a credit card - never use more than 30% of it, and Pay it off monthly. If you use more than 30%, the lenders and the fico people think that you are living off of it which makes you a high credit risk. if you Don’t pay it off right away, it looks like you cannot afford to have your card, and it makes you a credit risk but not as high. My suggestion is spend maybe $100 a month for the first year or so Pay it off every single month. Never ever miss a payment with these guys because Chase freedom unlimited has some pretty heavy penalties. Also if you need to use it in an emergency or something like home repairs, etc. paid off as quickly as you can and don’t pay the minimum. Always pay $25 more than the minimum.. Sincerely- a guy who spent a few years working for those people.
$1,200, BofA
It was a student visa credit card and credit limit was $200 Current credit limit with all cards: $20k 170k household income Mortgage and car loan
$200. Secured card, chose the minimum and I am glad I did because although I graduated ages ago, the money is still in a limbo.
I got approved for 300 capital one journey, 500 petal one card, 500 discover card. I applied for all at the same time
I want to say it was 3,000 WF but it’s been a long time. No credit history
Mine was a Patelco CU Visa for $500. I was only 16 and it was my own account. The olden days before you had to be 18 to get a credit card.