How can someone with fair credit get a credit card... - Bad Credit FAQ


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Credit Card Applications » Questions » FAQs » Bad Credit » How can someone with fair credit get a credit card with a high limit?

How can someone with fair credit get a credit card with a high limit?

Answered on | Updated on March 2nd, 2013
The content is accurate at the time of publication and is subject to change.

If you have a fair credit score – in the 620 to 680 range – there are many credit cards available to you, but you may not be granted a very high credit limit. It depends not only on your credit score, but also on your employment and income status.

A credit limit of $3,000 or less is about what you can expect to get if your credit score falls in the mid-600 range. Once you get a credit card, there are a few things you can do to try to get a higher limit:

  • Pay at least your minimum balance due on time each month
  • Keep your balance well below your limit – less than 30% of your available credit
  • Do not apply for more credit cards– this can have a negative effect on your credit score

As your credit rating improves, your chances of being granted a higher credit limit will improve too.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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