I'm in the process of rebuilding my credit from dumb mistakes I made as a student and being unemployed on a limited unemployment check while in school. My TU score is 653 and experian is 646. I have two credit union credit cards with a credit line of $1000 each. I read the reviews and took a chance, I was instantly approved with a credit line of $1800!!! It's definitely worth applying with good rewards. Credit karma said my approval chance was very good.
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I've had this card for 16 months (100% on time payments) and haven't gotten a CLI. My inital CL was and still is $1500.
You can request one but that will mean hard inquiries to all three of my reports :(
One of my Capital one cards has gone from $500 CL to 10K in 3 years with no hard inquiries. Barclays needs to step it up.
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