What is the highest credit line you have recieved on a personal Visa/MC credit card without having to send backup documentation (i.e w-2, 1040 tax return, etc)? If you sent in backup documentation please say so. If you know your FICO please state.

I believe the highest Citibank used to go was $25,000.00 but I no longer use citibank. I recently obtained 45,000.00 line from another bank but this was after making a +100,000.00 payment

You're not really asking us to help you get as much unverified credit as they will give you, right?

None of my open lines were more than 10k to start, but I have them as high as 20k (amex) and 17k (mc/visa) without any docs. FICO score at the time was about 700.

Traveler

Yes and not a thing wrong with doing so

Well, if that's the case then why don't you talk to one of their credit analysts and just ask them?

Traveler

$30K on a number of cards without documentation. I had a Citibank card at one time and I believe they would only go to $25K without documentation. FICO when last checked was around 760.

On each card? - or total?
I have only one card with >$30K. Others are in the $15K range. That is more than I will ever need.
Documentation: I don't know what it means "without documentation?". I filled out applications, mostly online on the Internet ... that's it.

Got 50K without documentation.

The USA is so amazing that way. The most you'll get in Australia on a new application with no documentation is about A$500. And even that's a maybe.

Here, the banks really dislike giving you a decent limit to start with or raising credit limits when you actually want them to. They prefer to let their computers send out automated letters to good customers. So, once you have a card, the sky's the limit.

For example, while on the highest earnings I'd ever had, I asked a bank for a limit increase on my gold Visa, fully documented, and they declined it. Wouldn't give me a cent more. Since I lost that job, I've not worked much ... and they've sent me a series of "tick the box for an increase" letters which have increased my limit to more than triple what it was when they declined my request!

Lines are based more on creditworthiness here than income. The risk is priced into the rate.

Traveler

I have multiple cards that EACH have $30K. The documentation I am referring to is what the original poster described (W-2, 1040, etc.). Please read this entire thread from the beginning and I think things will be clear.

Great! Those are the people we are looking for .... here in Naples. Come, but don't forget your cards

In Naples, Money Talks, Casually .....
http://www.nytimes.com/2001/01/14/travel/NAPLES.html

Back to the topic: Thanks, I was not aware that a bank would ever ask for tax papers in order to get a cc, higher credit line.
One thing I know: Some banks make it very difficult for foreigners to get a card.
My dog Ralph USAFAN jr., SS-# 341 33 4711,would get it, UK lady Elisabeth Windsor, no SS-#, probably not.

Kremmen,

I am an Aussie living in USA and have learned the huge differnece in the way things work here.....currently applying for a mortgage so very familiar with this.

Everything here revolves around your credit score and history. This is stored and calculated by central agencies and it has just about everything about you you can think of. So for instance, on a mortgage (over 500k) if you have a high enough credit score (over 700) you can get the same rate without proving income (known as stated income) because they look at your score and history and say that is a better indicator that you will reliably repay the loan than a job history (people lose jobs all the time).

In Australia there is nor central credit score/history system so the banks rely on their own history or other things you can prove to them (statement from other loans) but are willing to take on less risk.

Based on my credit score here I am planning to finance 100% of the price of the home - and they are willing to lend me the money.

Just FYI. Obviously there are pros and cons of each system.

Got 35K without documentation