What will my credit limit be? - General FAQ


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Credit Card Applications » Questions » FAQs » General » What will my credit limit be?

What will my credit limit be?

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Credit limits vary greatly from person to person and card to card. It depends on your income, credit history, how many lines of credit you already have open, and what type of card you apply for.

If you have an excellent credit score and you are looking for a business credit card or an elite rewards credit card, you could get a credit limit as high as $50,000, or even an unlimited card. Charge cards like American Express are often unlimited, though they must be paid off in full every month since you can’t carry a balance on one.

If your credit is limited or bad, or you don’t have a credit history, you may be given a credit line as low as $300. This is usually the lowest limit –often students start out with a $300 limit on a student credit card.

If your income increases and you feel that your credit limit should be raised, you can always call your credit card issuer to request a higher limit. They want to make sure your income will be enough to cover the charges you make.

The credit limit is generally somewhere between $3,000 and $10,000 for folks with good and excellent credit. Many card issuers have limits on how much credit you can have with them overall, so, for example, you might have a Citi Diamond Preferred card and a Citi Simplicity card, but Citi may keep your total credit limit across the two cards at a certain level.

That means if you’re trying to increase your credit limit it is better to apply for a card from a different issuer than another card from a bank you already have an account with.

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  • Lisa Olchefski

    My credit is not good. I have to have wisdom teeth pulled and the cost will be around $2,000.00. Would I even be able to get a card?

    • CreditLandCom

      You may get approved for a personal loan. The amount you will be able to get will depend on your income and creditworthiness. Note that if you have a bankruptcy, you may not qualify for any line of credit.

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