Which Credit Card Companies Have The HIGHEST Credit Limits 2024

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  • Опубликовано: 9 апр 2024
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Комментарии • 53

  • @Anthonydr
    @Anthonydr Месяц назад +13

    Dude you’re a godsend. Requested my first Discover CLI last month after I grew tired of waiting for an automatic one. Requested again today after watching your video and got approved. I had no idea they were that generous.

    • @calbarton
      @calbarton  Месяц назад +3

      Wow that's awesome congrats and thank you.

  • @Charlesmarcel-ee4ke
    @Charlesmarcel-ee4ke Месяц назад +5

    It take years that don’t happen over night and your credit profile must be in order that’s what he not telling you 😏🤦🏼‍♀️💳💳💳💳💳

  • @Brianpeckin
    @Brianpeckin Месяц назад +11

    Lol I've had the silver card for nearly two years and still can't product change and a 700 limit yet. My savor is a 4000. I can't stand cap one. Regret ever getting cards from them tbh.

    • @TheWallReports
      @TheWallReports Месяц назад +2

      I know the feeling. I had their Platinum MC for 6 years in addition to two other Cap1 CCs. First as a secured Platinum MC, then clear out of the blue they graduated it to an unsecured MC. However I could NOT get a CLI on any of the my Cap1 CCs for years. Even when I had an 800+ FICO w/all 3 bureaus. Then about a year ago they started giving me CLI increases, even for the Platinum MC. Now whenever I request CLI it's granted. Somehow it seems I broke out of their infamous bucket system.

    • @carlosvillanueva6421
      @carlosvillanueva6421 Месяц назад +3

      I have a cap one quick silver with a 400 credit limit. The last card I was approved for had a 20k limit. I can't take cap one seriously 😂

  • @darrellyarnell8245
    @darrellyarnell8245 Месяц назад +1

    Outstanding review Cal, great info thank you so much for putting in the time and effort.

  • @elmarespino6906
    @elmarespino6906 Месяц назад

    Thanks for the advice. God bless you.

  • @gsctrading7215
    @gsctrading7215 Месяц назад +1

    great video with valuable content. Thank you.👍

  • @Jokillah24
    @Jokillah24 Месяц назад

    I was honestly researching this last week; thanks for this video :) 👍

  • @Milkinporsche
    @Milkinporsche Месяц назад +1

    The venture x is a travel card so a lot of people would charge hotel expenses and airfare on it. Make sense for C1 to lift the credit limit so they dont muder customer's credit score.

  • @bossladybee8323
    @bossladybee8323 Месяц назад

    Thanks bro. Great info??

  • @ElectricEye9000
    @ElectricEye9000 Месяц назад +1

    Great vid. I've read that in terms of total credit affecting Yer credit score, You don't need more than 50,000. Creditwise website says same thing. 50,000 is excellent and there is no higher rating. More may be nicer but more won't give Your credit score a bump....unless You are not paying bills in full immediately and for some reason carrying a balance, then it may help with usage %. Any thoughts?

  • @kingmae3808
    @kingmae3808 Месяц назад +2

    What is the chance that using your pre approval on ur master list will approve but the the final will deny you.

  • @billwright2176
    @billwright2176 Месяц назад +2

    What's your advice with business card utilization
    I now have 4 business cards. Chase kept giving me 4k for a credit limit. I'd max the card out twice a month
    Updated revenue and expenses and was given 5k.
    At the same time on personal cards chase is giving 35k to 38k.
    I now have the 4 cards. One of them a Amex with a CL about 5 times that of chase. So I'm not as concerned. It's a real SP now over a year and it now has data for my tax filings
    What are your thoughts on business utilization?

  • @MV-nt4bq
    @MV-nt4bq Месяц назад +1

    For me C1 has one of the lowest limits and I’ve been with them for almost 6 years meanwhile I have higher limits with other banks I opened years later

    • @shojus
      @shojus Месяц назад +1

      Sounds like you may be in a bucket with them

  • @jakunikukyoshokuchen575
    @jakunikukyoshokuchen575 12 дней назад

    For the banks to accept manual CLI, you'll have to spend close to the limit given, right?

  • @Ruan.silva01588
    @Ruan.silva01588 Месяц назад +2

    I have a capital one quicksilver visa signature with 41.5k limit

  • @stephenroldan156
    @stephenroldan156 Месяц назад +3

    6 min into the video I ask AMEX for a credit increase, it’s my top card now, thanks for the tip

    • @calbarton
      @calbarton  Месяц назад

      Ok nice! Congrats, how much of an increase did you get?

  • @MD-gr8qv
    @MD-gr8qv Месяц назад +2

    Great info sir. I requested your list of pre approvals and in 5 minutes, I was approved for American Express 10k 😎

    • @calbarton
      @calbarton  Месяц назад

      Congrats! And thanks for sharing your win.

  • @et8865
    @et8865 Месяц назад

    Amex is 35k? Or 25k? I heard it was 25k when they want to verify income on that amout

  • @coedshowers
    @coedshowers Месяц назад

    if my navy fed flagship started at 25K can i ask for a credit increase or do I have to just ask for more rewards and hope for a 25K then try to get them to move the limit over?

  • @vibesaddickentertainment9777
    @vibesaddickentertainment9777 Месяц назад

    For me its apple with 6.7K

  • @BlessedBeyondMeasure77
    @BlessedBeyondMeasure77 Месяц назад

    Do any of these have 0 annual fees?

  • @kingmae3808
    @kingmae3808 Месяц назад +1

    I have a chase sapphire with 8k if I apply for another chase card will they hard pull my credit. If not which card chase card should I apply for. What American Express card would give the highest limit with no annual fee.

    • @mr-prez
      @mr-prez Месяц назад +1

      Those are questions for google, my guy.

  • @irosa77
    @irosa77 Месяц назад +2

    hate capital yuck

  • @YanLuo
    @YanLuo Месяц назад +1

    My question: except for the case one wants to maximize 0% APR, what’s the benefit of having so much more credit limit than one would use within a cycle ?

    • @rcsims313
      @rcsims313 17 дней назад

      Keeping your credit utilization % low

  • @herbertdaugherty636
    @herbertdaugherty636 Месяц назад

    I have an AMEX GC. I don’t need it. Should I ask for a downgrade? If AMEX won’t downgrade, I will cancel it. I have a nearly 800 score and plenty of options.
    I understand that this is an opinion and I have to make the decision.

    • @JV_ApexPerpetual
      @JV_ApexPerpetual Месяц назад +2

      Strictly up to you. I didn’t like the gold card and upgraded to the Platinum, but the green card from what I heard is a sleeper and is great for travel. Might go with that one.

  • @markfennell1604
    @markfennell1604 Месяц назад

    Discover started me out with $11,000 credit limit last month. I’m hitting one month tomorrow. How much do you think I should ask for?

    • @jeromehenry4484
      @jeromehenry4484 Месяц назад

      Best to wait 90 -120 days (or 3 - 4 billing cycles) before asking for CLI so Discover can see your monthly payment track record with them. Your requested amount should be based primarily on the 30% Utilization Rule. Currently your CL is $11K so you top out at $3,300 as 30% Utilization wall. Personally prefer to use 20% - 25% as my Utilization wall.
      Question is: Would you be better off using your Discover payment history/credit score to LEVERAGE INTO ANOTHER CARD? I prefer to not have all my CC"s issued by same Bank. It's better to have CC's from different issuers in case one issuer decides to reduce your CL or even close your account. Recently hearing too many instances of a Bank closing long time customer's multiple CC's & checking & savings accounts ALL AT ONCE! No warning! Some didn't have a back-up plan with other issuers, had all their financial eggs in 1 basket, then Bank obliterated that basket. Also, consider that a CLI will not get you a Sign-Up Bonus or Introductory 0% APR for 12+ months.

  • @shesheshe9389
    @shesheshe9389 Месяц назад

    Discover issued my card at $10,000. I have not asked for a credit increase.

  • @trenchbais4001
    @trenchbais4001 Месяц назад +1

    I went from $25k on my CSR to $50k with my first request. My Freedoms are both $25k each. 😄

    • @Charlesmarcel-ee4ke
      @Charlesmarcel-ee4ke Месяц назад

      How long you had the card what’s your credit score 😊

  • @anthonywilliams9415
    @anthonywilliams9415 Месяц назад

    First