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
Discover it® Miles
Compare
  • INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
Credit needed:
EXCELLENT, GOOD CREDIT
Discover it® chrome
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 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
Credit needed:
EXCELLENT, GOOD CREDIT
WebBank/Fingerhut Credit Account
Compare
  • No Annual Fee. See WebBank/Fingerhut Credit Account Terms.
  • No Over Limit Fee. See WebBank/Fingerhut Credit Account Terms.
  • Instant Response (Delays may occur depending on application data provided).
Credit needed:
FAIR CREDIT
Horizon Gold
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.

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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:

The credit limit on the card is always determined by the credit card issuer, who will base the decision on your creditworthiness. Credit lines usually start at $200.

Answer:

The credit card limit depends on your annual income and creditworthiness. Usually banks look at an applicant's credit history to determine the consumers creditworthiness. But since you have no credit history the main factor will be your annual income. No one can tell you in advance what decision the bank will make, but the higher your income is, the higher your limit will be. With a cash back rewards card you can get the usual 1% cash back on all purchases and maybe more in particular categories depending on the credit issuer. For example, offers 1% cash back on all purchases and 5% cash back on particular purchases that change every quarter. Also, the card has low APRs and does not charge an annual fee. If you are approved for a card, it may take a week or more for the card to arrive in mail. As you activate the card it is ready for use. All in all, it can take up to 30 business days to get approved and receive your card.

Answer:

If you are hoping to have a good enough credit score to be approved for a SunTrust card or any other credit card, there are a few rules of thumb you'll want to follow. First of all, make all your credit card payments on time. That means paying at least the minimum due by the payment due date.

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.

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