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i would really like to have a line of credit more than 500.00 i want to build my credit better... |
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Date:
August 28, 2007, 7:17 pm |
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i would really like to have a line of credit more than 500.00 i want to build my credit better please write back if you have any sugestions please |
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Answer:
The credit limit is the maximum amount of money you may charge on your credit card. This limit is mainly determined by your credit risk and your annual income. So, it depends on the terms of your card and may be changed according to your credit history. If you prove to be a good credit payer, you'll be given a higher limit. That's why before applying for a card consider your credit report and estimate your financial state. A limit of more than $500 is generally available even to people with not so good score, but anyway the bank makes decision individually in each case. Keep in mind that the limit is not a constant figure, it may change as your score changes. And it may not only go up, but also go considerably down. That's why if you want the higher limit you must use your credit lightly, pay all the bills on time and keep your score as high as possible. In this case you'll be able to apply for the best credit cards with the highest limits. |
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