I applied for a credit card primarily to finance a significant camera purchase (~$3,500) with a 24-month promotional financing option. I was approved, but the credit limit was only $2,000, making the card nearly useless for my intended purchase. I also sought a credit limit increase but was declined, despite having a credit score around **760** and other cards with limits up to **$15K**. It's frustrating because even if they had approved a $4K limit, putting a $3.5K purchase on a new card would push utilization close to 90%+, potentially harming my score temporarily. In summary, the initial limit feels excessively low for a card promoted for financing large purchases. It renders my main reason for applying ineffective.
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