Maximizing Your Credit Limit: A Guide by Houston Mcmiller - Credit Specialist

Key Considerations for a $5,000 Starting Limit

Visa Signature Card: Look for the Platinum version, as not all Visa Signature cards start at $5,000.
Visa Infinite Card: This card can offer a starting limit of $5,000 or even $10,000, depending on the institution.
Mastercard Elite: This card also typically starts at around $5,000.

Debt-to-Income Ratio (DTI): If your DTI is over 50-55%, you may be turned down or offered a lower credit limit.
Credit File Age: The age of your credit file can impact your chances of getting a $5,000 starting limit, especially if it's less than 2 years old.
Relationship with the Institution: Establishing a relationship by opening a checking, savings, CD, or money market account can increase your chances of securing a higher credit limit.
Credit Score and Income: Your credit score and income will also play a role in determining the starting credit limit.

Coast Central Credit Union: Their Platinum Card starts at $5,000.
Golden One Credit Union: The Members Cash Rewards Plus card is the one to apply for, as it offers a $5,000 starting limit.
GSA Federal Credit Union: Their Visa Platinum Card also starts at $5,000.

Capital One Venture X: While this card can offer $5,000 or $10,000 starting limits, the multiple hard inquiries may be a concern.
Petal 2 Card: This card can provide a starting limit from $300 up to $10,000, with the option to pre-approve before accepting the card.
Penfed Gold Visa: Penfed may be an option if your DTI is over 55%, as they have more flexibility in their underwriting process.