Apply for High Limit Credit Cards

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Best Credit Cards with High Limit
from our partners

Visa, Masterсard, Discover and
American Express
Almost everybody wishes to be approved for a credit card with a possibly high credit limit. But only those with a good credit rating and well-being on the whole can get a credit line as high as it can be.
High Limit for Good Credit
Credit Card for Fair Credit with No Annual Fee
High credit limit for Bad Credit
Credit line for people with no credit
  • Loans between $5k - $100k, state restrictions apply1
  •  Fixed rates starting at 5.99% APR (with AutoPay)2
  •  2, 3, 4, 5, 6, or 7 year repayment terms
Credit needed:
EXCELLENT, GOOD CREDIT
Compare
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
Credit needed:
FAIR CREDIT
  • Request a loan in under 2 minutes!
  • This service is free and will NOT affect your credit score
  • Money can be deposited as soon as the next business day
Credit needed:
LIMITED CREDIT
Compare
  • Instant $500 Credit Line. No Credit Check.
  • No Employment Check.
  • Must have Active Debit Card or Credit Card to qualify.
Credit needed:
BAD CREDIT

The Limit on Your Credit Card: The Degree of Your Freedom

Every card applicant is eager to be approved for a possibly higher credit line. What factors are the limit determinants?

A credit line amount depends on the card applicants' credit risk. A credit risk degree is determined by a number of factors; they are an income level, a permanent job, a credit history and others. The degree of risk affects the interest rates as well.

Actually, your chances to be approved for a high limit credit card get higher if you already have an account with that credit card company.

Anyway, the wise thing is to shop around and have a good look at the card offers from the different companies. The points to compare are the rates, the credit limits, incentives and bonuses, penalties, and other charges.

Learn more about Credit Limit! Use Credit-Land.com Resources:

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The Right Credit Limit to Improve Credit

High limit on a credit card is a principal point when shopping around for a card offer. Sure, the high limit could not be so high for a limited credit person. It is more wisely to find a credit card with a credit line amount up to your credit capacities.

Credit offers for fair credit are made up especially for those who need support on their way to a good credit rating. The credit line of $3000 is just right to use a credit card smartly. It is high enough to make purchases and to have emergency money. At the same time, not so high limit on your card makes you to be disciplined and act according to your interim credit status.

Month-by-Month Credit Limit Increase

If your customer behavior is far from exemplary, there could be some limit restrictions. Credit card companies provide special credit programs to help build a credit history. You are approved for the initial credit line about $300. But your lenders review your credit limit monthly in order to increase your credit amount. Thus, your chances to get a better credit status are increasing with every passing month.

The banks that offer credit card deals for limited credit consumers provide the opportunities to keep your credit rating growth under a personal control. You've got a 24-hour access by phone and the opportunity to get an online education. Your payment performance is regularly reported to the 3 credit-scoring agencies. So if you use your card smartly, you're sure to improve your credit score!

Credit Card FAQ

The latest questions about high limit credit cards:
Answer:

You can consider credit cards for people with limited or no credit history. These cards are good for those who want to start building their credit profile. Your credit limit will be determined by the credit issuer and will depend on your creditworthiness.

Answer:

You can apply for any other credit card you like on our fair credit page. These cards may not offer automatic credit increase, but you can always request one. If you have acted responsibly with the credit card, the issuer will generally increase your credit limit.

Answer:

If you need a credit card for your business, you can consider business credit cards. You can choose a card according to what your business expenses are. You can count on a high credit limit because you have a good credit history and business cards have higher credit limits than consumer credit...

FIND OUT YOUR CREDIT SCORE

Credit Card Glossary

Credit Limit - Every credit card has its own maximum credit amount extended by lender to a client. That is the sum of...
Credit Limit - Every credit card has its own maximum credit amount extended by lender to a client. That is the sum of money that a credit card company will allow a card holder to take out at once. This limit is usually based and determined on information contained in the application form.
Credit Limit Increase - This is an increment of credit amount so that card holder has access to a larger sum of money. The...
Credit Limit Increase - This is an increment of credit amount so that card holder has access to a larger sum of money. The increase can be done after 6 month card use in two possible ways. The first is bank itself increase credit limit as sees that card is in regular and proper use. Second: card holder asks for a higher credit limit by calling or filling special form.
More terms

No Pre-Set Limit for Good Credit

Credit cards with no pre-set credit limit are preferred card offers for good credit applicants. The credit card limit is set by a bank depending on the transactions history, the consumer behavior, the payment history and other factors. You set your own limit by your spending as much as you can afford it. The obligatory thing to do is to make the monthly settlement of your credit card bill in full.

The risky thing is credit-scoring agencies use the highest balance on your card instead of the limit to determine the credit utilization (the ratio between the credit limit and the balance on the card). It's better for your credit score to utilize up to 30% of the credit line. How to avoid the undesirable no pre-set limit effects? Try to make a solid charge on the card in order to support a suitable balance, be moderate and calculating.

1 SoFi Personal Loans are not available to residents of MS. Additional state restrictions may apply regarding maximum interest rates and minimum loan amounts. See SoFi.com/eligibility for more state eligibility details. Information as of April 2018 and subject to change.
2 Fixed rates from 5.990% APR to 16.990% APR (with AutoPay). Variable rates from 5.74% APR to 14.70% APR (with AutoPay). SoFi rate ranges are current as of March 18, 2019 and are subject to change without notice. Not all rates and amounts available in all states. See Personal Loan eligibility details. Not all applicants qualify for the lowest rate. If approved for a loan, to qualify for the lowest rate, you must have a responsible financial history and meet other conditions. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, years of professional experience, income and other factors. See APR examples and terms. Interest rates on variable rate loans are capped at 14.95%. Lowest variable rate of 5.74% APR assumes current 1-month LIBOR rate of 2.49% plus 4.28% margin minus 0.25% AutoPay discount. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account.
To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull.
See Consumer Licenses.

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