As I've been perusing everyone's signatures, it seems the credit unions are giving the highest starting limits. Is that the case? Do you have to build the relationship with them prior to this, is it connected to employment position? Do they serve people better when it's a credit union in their area? What are the contributing factors to getting these 40 and $50,000 credit limits? Any advice would be greatly appreciated! Should I find some local credit unions, and go and open an account? Is it usually an initial starting credit limit? Or is it built over some time? Thanks in advance
My 60k limit is a result of reallocations from other cards and then closure. The highest starting limits I've received have been from credit unions and were less about relationship that credit scord/income. The others are a result of patient curation of CLIs over time.
my highest starting limit was from Amex on my base hilton card at like $17k
I think my highest starting limits were $10k and $16.99k (yes that was my actual SL, lol).
CUs do seem to be more generous than banks in many cases, but not always. High SLs can come as a result of relationship with CU/bank, credit/income, or some sort of combination of the above.
Starting CL's are a function between each issuer's policies and your profile.
Some issuers are good on starting and grow slow, while others start low and grow fast.
Some are like rolling dice, you never know.
I believe Fico scores, history of payments and income are the 3 main factors after issuer which is on top.
A local CU gave me $25,000 as a starting and USBank my low at $7,000
Citi, and USBank, were less than my normal, and grew slow
Barclay, WF, FNBO, and numerous CU's are in the middle. (15k -20k)
High rollers are NFCU and My local CU Wescom.
Wescom started me with 25k and with almost no use it grew to 50k
I had them reduce it to 20k and they slipped up and gave me an auto
increase to 23,500 a few months back 
I stop asking for more at 20K and most issuers don't give auto increases
if they have the web/app ability for you to ask.
My highest SL was Chase Amazon Prime Visa ($35K)
My highest CU SL is a tie between Navy Fed and Interior Federal CU. ($25K, Elan also gave me a $25K SL)
I've received a $20K SL out of several CU's that I had no prior relationship with. NASAFCU, Bay FCU, Keypoint CU...
My AAA rewards Visa is my highest CL ($84.5K), which was a BoA product that seemed to hand over $10-15K CLI's every time the CLI link appeared. This is my fastest growing card. This card did see some massive purchases including one for $22K.
Slowest growing card - Bucketed Cap One Union Plus MC. 8 years old and hasn't broken $3K yet. Usually sock drawered.
Scores in the upper 700's to very low 800's, $200K income. Typically PIF but have carried some 0% balances in the past.
I'm content with any CL above $10K but prefer $20K+. Eventually I'll get around to weeding out some low hanging fruit if they don't grow.
My biggest starting limit came from Citi believe it or not. They gave me a 30.5K starting limit on my Citi Executive card.
So as I've suspected, there's no magic formula. I appreciate the reply, I suppose in my situation I just need to stay committed, and let everything mature. It's tough, I really want to get this moving along! We'll see my scores are strong, I don't have any missed payments. I think with a little patience I'll be just fine. Thanks again!
