I have often wondered what criteria is used when determining credit limits on new cards, and I think I have a good situation to compare.... Bit of a background... I have been playing this game since I registered for this forum, around 2 years. I do not have any credit card balances. We just have a mortgage and car payment in terms of credit (and the cards I churn/keep). I am 33, so average age of account isn't that high. I didn't realize before this site that keeping older cards was good for your credit, but I do now. According to Barclay's, my FICO score is 736 (updated about a month ago). I have never done business or had any accounts with Bank of America or Discover, until last week. On the same day, I applied and was approved for both the Bank of America Amtrak World MasterCard and the Discover IT Miles cards. Bank of America credit limit = $1,000 (this is the lowest initial credit limit I have had since my teens) Discover credit limit = $9,000 Thoughts on the large difference between these banks and why there is such a large difference between these two initial credit limits. Thanks.