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topic said:   Has anyone had any luck getting big CLIs through Citi? They seem a bit stingier than other major CCs
  i noticed Citi started allowing the online no-inquiry automatic CLI requests again last year.  They do have a max total CL line they set for you though (don't know the eqn ).  And I bumped into that last year.   The request CLI form on the citi website will tell you if there's a credit inquiry or not when you go to that page.  Usually I got ~20% of CL on each card every 6 months until it hits the limit for combined CL.

I'm not a Citi junkie by any means. DW and I both have a few $30K lines with them. I'm not sure if that fits your criteria for big lines or not.

Yup... The card opened at $4k, I've requested CLI multiple times without a hard pull but still stuck at $5k. It's enough for everyday spend though.

Any suggestions for credit union based CCs for 0% BTs?

I'm pretty well full up on the major banks -- Amex, Barclays, BOA, CapOne, Chase, Citi, Discover, USAA, WF. I may go for First Tennessee and / or TD.

I've got a lot of the "regular" FWF CU cards -- Alliant, NASA, Navy, Patelco (ETA PenFed) plus some smaller / local CUs. I'd like to venture in to more CUs that are open to most / all. I've got great credit right now, low utilization, no recent inquiries, decent HH income.

I'm not looking for points / cash back, but that is always a plus, of course. I'm looking for larger lines -- $25K or greater is my Target (I have several of these already, so not breaking new ground with this effort) CUs that offer PLOCs in addition are also a plus.

Any / all suggestions are welcome!

ETA:  I have several Elan based CU CCs, so I'm not too interested in those.  I also have a few PSCU based cards, so not too interested in those either.  Sorry to be picky, but that's the life of us junkies.  

Do you already have Penfed? They do larger CC lines and Plocs.

Yes. Good suggestion otherwise...

DoC on Twitter has been hot with that kind of thing including a CU that rebates up to 3% of BT. Not sure that I understand it enough to link here.
That CU rebating BTs.   BUT not sure of BT terms.  be cautious.


Discussion on another FW thread lists some possibilities for CC offering 2% Cash Back. Since it is not my list, I will only link it. I am not aware of any signup bonus for any of them. As always, check them out before signing up.

Possible 2% Cash Back Cards

My question on this thread .... What am I missing that this card is not getting more attention? 3% in my popular use categories and $100.00 bonus looks tempting. So does 18 month 0% APR BT after required spend.
Does anybody here have and use this card? Opinions wanted.

Anybody that goes for it may want to do the checking account $150.00 sign up bonus first.  Despite what the FW thread says, the checking account offer is currently valid.



JW10 said:   My question on this thread .... What am I missing that this card is not getting more attention? 3% in my popular use categories and $100.00 bonus looks tempting. So does 18 month 0% APR BT after required spend.
Does anybody here have and use this card? Opinions wanted.
For starters, I can't find where it says how much a point is worth. The application says "see details about rewards program in the Credit Card Agreement," which isn't provided.

What xerty said. Assuming 1 point = 1 cent, the $49 AF plus quarterly cap on the 3% categories makes them 2.755% max. To beat a 2% card you have to spend > $5K/year and < $5K/quarter.

Experian Credit Bureau soft pull followed by Hard Pull.


AF is waved first year and each year you have the bonus sign up checking account - See Part One

Cash back offer and rewards program: If you spend $1,000 on new net retail purchases (qualifying purchases less credits, returns, and adjustments)
within the first 90 days of opening your account, you will receive $100 cash back as a statement credit within 6 weeks.



See sections  6 and 7


Our business is growing. We are paying our investors 10% fixed APR on money borrowed. I charge between $5-20k per month on our credit card and pay it off every month. I'd like to entertain the possibility of keeping a balance with our credit card, assuming we can get interest rates lower than 10%. I've seen my credit score range between 720-804 (depending on monthly utilization).

What credit card can I get with the highest credit limit and lowest APR? Can be a personal or business account.

Both are possible. See the App-o-rama threads below. Depending on how you proceed, you may get 0%-5% net APR for 12-24 months.
Caution. Most offers are for a limited number of months after which the interest rate will rise well above your current fixed APR.


Looking these over more. a few card have initial APRs above 0% APR but longer repayment periods thereby keeping the net cost of funds well under 10% APR with very nominal monthly payments for a longer time frame.  The drawdown is any personal cards will affect FICO by the increased utilization factor since you would max out individual card utilization .
I have had one Cap One card for over a decade under 5% APR ... was a special offer at the time.
I have passed on a few other such offers, but they are out there.

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