Jump to content

"What limit would you like?" — I'm stumped


Sidewinder
 Share

Recommended Posts

SPIRE credit union left a VM to say my Signature Visa app has been approved but that I need to let them know "the dollar amount that I would like on the card" since I did not list that.

 

I truly don't remember a space on the app where I was asked to list that, but in any case this question always stumps me.  Why wouldn't anyone being asked that just ask for the biggest, most bestest limit possible?

 

What do I say?  AmEx has entrusted me with a $22K limit on one of my cards and I've given them no reason to regret it.  I've also heard of cu's giving $50K limits...

 

I have no idea what I'm allowed to ask for here.  : /

Link to comment
Share on other sites


8 hours ago, Sidewinder said:

SPIRE credit union left a VM to say my Signature Visa app has been approved but that I need to let them know "the dollar amount that I would like on the card" since I did not list that.

 

I truly don't remember a space on the app where I was asked to list that, but in any case this question always stumps me.  Why wouldn't anyone being asked that just ask for the biggest, most bestest limit possible?

 

What do I say?  AmEx has entrusted me with a $22K limit on one of my cards and I've given them no reason to regret it.  I've also heard of cu's giving $50K limits...

 

I have no idea what I'm allowed to ask for here.  : /

You can ask for whatever you want, it will all boil down to what they will give you.

Link to comment
Share on other sites

Memberlicious! If you have someone on the phone you can ask them what the max available is and then ask for that. The problem with some CUs is you ask for $50k when they max out at $30k or whatever and they just decline you because they can't provide the limit you want. 

Link to comment
Share on other sites

I called yesterday afternoon and the same lady who left the voice-mail "faulting" me for not having filled that in on the app, told me it's $10K.

 

(Good enough.)

 

I drove to their nearest branch this morning to get the account all set up n stuff; then I drove to Edina to mail my deposit (a paper cash-back check from CapitalOne) to my high-yield savings account, see; and then I drove further south to the Royal Credit Union branch on 76th Street to get my debit card replaced 'cause there was fraud on the previous one but the guy said they couldn't do it because all their systems were down.

 

: /

Link to comment
Share on other sites

On 11/29/2023 at 6:06 PM, Sidewinder said:

I called yesterday afternoon and the same lady who left the voice-mail "faulting" me for not having filled that in on the app, told me it's $10K.

 

(Good enough.)

 

I drove to their nearest branch this morning to get the account all set up n stuff; then I drove to Edina to mail my deposit (a paper cash-back check from CapitalOne) to my high-yield savings account, see; and then I drove further south to the Royal Credit Union branch on 76th Street to get my debit card replaced 'cause there was fraud on the previous one but the guy said they couldn't do it because all their systems were down.

 

: /

 

Can we swap drama?  (even of for just a week?)

 

Don't mind me ... you go, guy!!

Link to comment
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

 Share




  • Member Statistics

    • Total Members
      187957
    • Most Online
      2046

    Newest Member
    JayPin91
    Joined
×
×
  • Create New...

Important Information

Guidelines