I have 5 credit cards. How to get Atleast a 10k limit on all?

[BrothaZay]

navy federal - $500. Got it a month ago

Citi - $1000. Month ago

Capital one - $2000 month ago

Capital one - $2000 3 years ago

Discover - $4500 3-4 years ago

Victory secret- $700. Never use it

 

[BigMan]

Only a 10k limit

 

[BrothaZay]

Only a 10k limit

Can you answer the question

 

[beenz]

Can you answer the question

for some cards you can request a credit limit thru their app. this works for apple card and I've done it with costco citibank visa.

for others, I had to call for an increase. both of my BOA credit cards were increased that way.

my costco citibank is only 5k
apple card 14k
boa visa 21k
boa mastercard 34K

 

[BrothaZay]

I’m

for some cards you can request a credit limit thru their app. this works for apple card and I've done it with costco citibank visa.

for others, I had to call for an increase. both of my BOA credit cards were increased that way.

my costco citibank is only 5k
apple card 14k
boa visa 21k
boa mastercard 34K

what’s the secret to getting a high limit

 

[BigMan]

Can you answer the question

1) Make more money
2) Ask
3) improve your credit score
4) have a longer credit history
5) ask

 

[beenz]

I’m

what’s the secret to getting a high limit

I just told u what I did.

 

[Lil Bape the PostGod]

Why do you have a Victoria secret card

 

[aXiom]

Only 10k? My nanny's dog walker's middle daughter got grounded last week for stylin on her classmates and as a life lesson in the perspective of the unfortunates, her mother reduced her member card spend limit to $50k/month and she already spent $12k on roblox. A grown ass man with $4k credit cards? You might as well just cut them shyts up and purchase visa gift cards. You need to get your life together

 

[jilla82]

troll thread but the broke boys on the Coli cant even get a unsecured card for $500

 

[BrothaZay]

I just told u what I did.

My utilization high.

Do I need to pay that down first even with high income ? Or can i just become an authorized user on my moms high limit card

 

[Prodyson]

I’m

what’s the secret to getting a high limit

The fact that you got 3 credit cards in the past month might prevent you from getting any credit increases… at least anything significant. That might be a red flag. Furthermore, those 3 probably won’t give you an increase since you just got the cards. Save the inquiries… make consistent payments and up your income. Try in 6 months.

 

[BrothaZay]

1) Make more money
2) Ask
3) improve your credit score
4) have a longer credit history
5) ask

Do you just ask for an increase or ask them to increase it for a certain amount. Like can I say “I want 20k limit “

 

[BigMan]

Do you just ask for an increase or ask them to increase it for a certain amount. Like can I say “I want 20k limit “

Ask for a certain amount

 

[IsThatBrothaMouzone?]

Some banks hand out higher limits than others, even if you give them the same information and your credit score is the same.

Wells Fargo gave me $5k way back when but now I'm at $15k. They've always been the best at slowly increasing my limit.

FNBO gave me $15k to start.

Discover gave me $12k but will not give me more. Wifey got $18k even though my credit score is a bit higher (she's 770 ish, I'm 811).

Bank of America got me at $10k. Started at $8,500. They're a little more stingy but not too bad.

Capital One gave me $3k for one card and $7k for Quicksilver. They can be a little stingy. Had them for years. Basically want credit in the hands of folks that will always carry a balance and only pay the minimum every month.

Citi got me at $12k. Similar to Discover, they don't seem interested in giving me more which is fine. I'd either need an increase in HHI probably into the $250k+ range or to start running utilizing for more than Netflix payments.

US Bank is the stingiest of all. Gave me $2k...highest household income and credit score I've ever had when I applied.

Target RedCard is $8k...good for groceries and saving 5%, then paying it off immediately.

Best Buy is $5k. Good for buying the latest video games, consoles, new laptops...get $5 back for every $20 I spend (maybe $25). Adds up quick with electronics.