Highest credit card limit possible

Contents

Estimate your possible credit limit

Credit card issuers set low credit limits for a variety of different reasons. The overall national economic outlook may be somewhat dismal, inspiring lenders to be conservative with the amount of credit they are willing to extend to cardholders. You may have a low credit score or a shaky credit history, causing your credit card company to have little confidence in your 'creditworthiness' as demonstrated by the low spending limit they choose to extend to you. Or perhaps your credit card company simply may not feel like it's necessary to increase the perks associated with your account - like boosting your limit - in order to keep you happy.

How to increase your credit limit?

If you are keen on having your credit limit increased on an existing credit card, there are a couple of ways to go about it.

If they disagree, ask them what you would need to do to earn an expansion in your spending ability. You can always apply for a new card with a higher credit line elsewhere if you don`t think that you are getting the fair treatment you deserve by your current credit issuing company.

You can also use other calculators

*See the credit card's terms and conditions on the online application page. Note that this website may be compensated by credit card issuers when the visitor applies for a card through the links on this website. We do our best to maintain all information accurate and up to date. However, we do not warrant the credit card information won't change. Click the "Apply Online" button and review the current info on the secure credit card terms page.

Information in these articles is brought to you by BestCreditOffers.com. Banks, issuers, and credit card companies mentioned in the articles do not endorse or guarantee, and are not responsible for, the contents of the articles.

The BestCreditOffers.com webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. BestCreditOffers.com does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click "Apply" for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer's website. All logos on the BestCreditOffers.com website are property of their respective owners.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer. Opinions expressed here are the author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Reasonable efforts are made to present accurate info, however all info is presented without warranty. Consult a card's issuing bank for terms & conditions.

How to Access and Use High-Limit Credit Cards

Whether you’re someone who loves to shop or you are just trying to afford big-ticket necessities that help your family to live a better life, having credit is a must. Without it, you’re not only unable to shop online, but you could potentially face challenges when you want to buy a house, book a hotel, or even buy a vehicle. Although building credit early in life and maintaining it as you age is best, sometimes life events can make that very difficult. If you’ve been wondering how to access and use high-limit credit cards, this guide can help you to understand better the options available and how you can access them from where you are financially right now.

Jump to the section below or continue reading our guide:

Contrary to popular belief, the credit and finance industry doesn’t really maintain a credit limit cutoff point. Most major card providers, bank accounts, and loan companies have theoretical cut-off points – often around $100,000 – but will negotiate for high-income clients who have demonstrated reliability in the past.

Generally speaking, lines of credit and loans typically have larger credit limits than credit cards, but this isn’t always the case. Some credit cards, like the Chase Sapphire Preferred Card and J.P. Morgan’s Palladium Card, offer unlimited credit limit ceilings to those with a net worth of $20 million or more.

1x-2x points on $1

  • earn 2x points on travel and dining out
  • get 50,000 bonus after spending $4,000 in the first 3 months
  • get 5,000 bonus miles after adding authorized user in 3 months after account opening
  • 25% more in travel redemption

$95 annual fee, waived for the first year

or no annual fee for basic Sapphire card

2x points on travel and dining

1 point per dollar on all other purchases as usual

the card is made of metal

These are, in fact, the exception, not the rule – so the average person likely isn’t going to receive an invitation to apply for them. Celebrities, businessmen, and venture capitalists often carry these cards as a status symbol and to ensure easy access to capital while on the go.

Credit Cards With High Starting Limits

It is far more common to see a card with a high starting limit than a high overall credit limit. These cards are typically reserved for high-income individuals who have previously demonstrated creditworthiness over time. A student, young person with no credit score, or person who has declared bankruptcy isn’t likely to be approved when applying for a card with a high starting limit because they simply pose too much of a risk to the lender.

As for which cards have the highest starting limits, you do have options.

Both the MasterCard® Gold Card™ and the American Express Platinum Card offer fairly high starting limits that may be as high as $5,000, particularly if you have good credit.

Also, credit cards issued by credit unions may also be a bit more generous with starting limits, especially if you’ve already been a member for a long period of time.

How to Get Approved for High Limit

The first step in getting approved for a high-limit credit card is to prepare yourself well in advance for application.

  1. If your credit isn’t already positive, or if you’ve had a few slips on the way and are currently rebuilding, now isn’t the time to apply for more credit.
  2. Pay off any old loans and take an average credit card first.
  3. Then, spend a year or two using the card actively. It is also best to pay your balances in full each month. This spending pattern will boost your credit and help you to get where you need to be faster.

If you’re looking for high-limit cards for bad credit, unfortunately, you may be out luck for the most part. Higher credit limits are considered by most lenders to be higher risk in general; add this to a bad credit score and it simply doesn’t make sense for the lender to approve you. Some options, like lines of credit or home mortgage loans through your bank, may be a wiser approach with a lower interest rate if you’re in a bind.

One of the rare cards for bad credit with high limits is Emporium card - technically a store shopping account, it provides up to $5,000 credit line.

Apply for High Limit Credit Cards

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Best Credit Cards with High Limit

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  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, 1% unlimited cash back automatically on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.

  • No Annual Fee. See WebBank/Fingerhut Credit Account Terms.
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  • Instant Response (Delays may occur depending on application data provided).

  • $500 Credit Limit. No Credit Check.
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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!

You don't say which card you're looking at, but as a rule, credit card limits depend on your credit history, your annual income, and how much credit you currently have with a particular issuing bank. If you have excellent credit, you can usually get a credit card with a limit in the $10,000 -.

That depends on your income, credit history, how much credit you already have, and the type of card you apply for. Credit limits can be in the hundreds or thousands depending on your creditworthiness and how much you make. For example, secured cards will be limited to the amount you deposit.

If you are a student, consider applying for a credit card like the Discover it for Students. It has low interest rates and no annual fee. Plus you will earn 1% cash back on all your purchases.

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.

* See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button you can review the credit card terms and conditions on the credit card issuer's web site.

Information in these articles is brought to you by www.Credit-Land.com. Banks, issuers, and credit card companies mentioned in the articles do not endorse or guarantee, and are not responsible for, the contents of the articles.

The Credit-Land.com webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. Credit-Land.com does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click "Apply" for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer's website. All logos on the Credit-Land.com website are property of their respective owners.

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 info, however all info is presented without warranty. Consult a card's issuing bank about the terms & conditions.

12 Highest Credit Card Credit Limits By Category 2018

By: Brittney Mayer • January 11, 2018

Opinions expressed here are ours alone, and are not provided, endorsed, or approved by any issuer. Site may be compensated through the issuer affiliate programs.

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It’s a common scene in a number of films: the big spender who breaks out the credit card with the simply ridiculous limit and charges a yacht or sports car with a single swipe. The ultimate show of reckless wealth (or, at least, the perception of it), fancy cards with unlimited credit are great ways to make a movie statement, but they’re hardly practical for the average consumer.

For most of us, the high-limit luxury of the most exclusive credit cards isn’t just unattainable — it’s unnecessary. These cards often come with hefty annual fees to cover all those perks. Plus, the temptation to overspend can skyrocket when you can swipe your way through any store.

On the other hand, high credit limits can help boost your credit score if you maintain low levels of debt, and the ability to finance large purchases all at once can be useful for those who can quickly pay them off. But these benefits can be obtained without needing the infamous Black Card; your favorite rewards or everyday card may allow you the high credit limit you’re looking for, without the high costs.

Highest Overall Credit Limit: $100,000

For a card that has all the feel — and much of the function — of an exclusive card without the exclusive requirements, the Chase Sapphire Preferred is a great choice. The card has a luxurious metal finish that gives it an impressive feel and style that’s sure to be noticed and reputedly has a maximum credit limit just as impressive.

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • See application, terms and details.

Of course, you’ll need to keep in mind that credit limits are determined primarily by your creditworthiness, based on the information in your credit report, as well as your income level. For the most part, the better your credit and income situation, the higher the credit limit you are offered, and only those with the most pristine credit will be offered limits near the maximum.

According to reviews, Chase Sapphire Preferred cardholders with credit scores above 700 have the highest limits, but only 10% of cardholders have credit limits above $20,000. The average credit limit for the Preferred card is around $10,000.

Oftentimes, a high credit limit is gradually achieved through credit limit increases. You may start with a lower limit, but with time and responsible use, the bank will grant an increase when you’ve proven yourself worthy of one.

Highest “Air Miles” Credit Limit: $50,000

Given that the cost of the average vacation ranges from over $1,100 to just under $5,000, knowing that your favorite travel rewards card has the room to fit all of your family’s needs can be a big relief. With the Capital One® Venture® Rewards credit card, qualified applicants can rest easy on the road or abroad with reported credit limits up to $50,000.

Capital One® Venture® Rewards Credit Card

  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • New! Earn 10 miles per dollar on hotels when you pay with your Venture card at hotels.com/venture; learn more at hotels.com/venture
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • See application, terms and details.

While your credit limit will depend on your individual creditworthiness, most reviewers indicate receiving lower limits than the highest reported of $50,000. Several reviewers report limits around $30,000, while the average limit seems to be between $5,000 and $10,000.

Arguably the most popular feature of the Capital One® Venture® Rewards credit card is the blackout-free travel rewards program, in which points can be redeemed for statement credit for travel-related expenses, including airline and hotel purchases. Since cardholders aren’t subject to brand limitations, they can fly any airline or stay in any hotel they prefer.

Highest “Balance Transfer” Credit Limit: $25,000

Although it’s always best to pay off your revolving credit lines in full each statement cycle, sometimes you simply need to carry a balance. To make that balance more affordable, you’ll want the lowest interest rates possible — such as a balance transfer card with 0% APR for more than a year. Of course, even the lowest interest rates are of little help if your balances won’t fit on the transfer card.

The Discover it® 18-Month Balance Transfer offer provides plenty of room for your existing balances, with well-qualified reviewers reporting credit limits up to $25,000. You’ll also enjoy cash back rewards, including new bonus categories each quarter, to maximize your savings.

Discover it® – 18 Month Balance Transfer Offer

  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. Plus, 1% unlimited cash back automatically on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • See application, terms and details.

Of course, as with any credit product, the highest limits won’t be available to every applicant. Reviews indicate the average new Discover it® applicant is significantly more likely to see a credit limit of $3,000 to $10,000 than one over $20,000.

Highest “Cash Back” Credit Limit: $24,000

When it comes to selecting the best card for everyday purchases, a cash back card can be a great choice. If you have a large family or simply large expenses, however, you may be concerned that your cash back card can’t handle the load. For credit-limit peace of mind, you can try the Chase Freedom or Chase Freedom Unlimited, sister cards which reportedly have credit limits up to $24,000 for the most qualified applicants.

  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.24-24.99%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
  • See application, terms and details.
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.24-24.99%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • See application, terms and details.

Offering nearly identical perks and benefits, the two cards are differentiated primarily by the way cardholders earn cash back. Specifically, Chase Freedom users enjoy 1% unlimited cash back on every purchase and 5% bonus cash back (up to a set amount) in specific categories that change each quarter. In contrast, the Chase Freedom Unlimited card offers an unlimited 1.5% cash back on every purchase.

Although the Chase Freedom and Freedom Unlimited cards may offer limits over $20,000 to well-qualified applicants, the average cardholder is much more likely to receive a credit limit between $3,000 and $5,000 than one over $10,000. That said, a number of consumers have had luck requesting a credit limit increase from Chase directly; keep in mind this generally results in a hard credit pull, which can impact your score.

Highest “Points” Credit Limit: $100,000

As the highest-overall credit limit card, with a reported maximum of $100,000, the Chase Sapphire Preferred® Card easily tops the points category, as well. And while the average credit limit is much lower than the six-digit max, cardholders can go into the process knowing they’ll receive at least a $5,000 initial credit limit if approved.

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • See application, terms and details.

The Chase Sapphire Preferred card also has far more to recommend it than high-roller-esque credit limits. In particular, the Chase Ultimate Rewards program is one of the most popular points programs in the market today, providing flexible rewards points that can be redeemed for everything from cash back to travel.

Additionally, Ultimate Rewards members can get even more pow for their points by transferring to any of Chase’s airline and hotel partners, including British Airways and Marriott. Smart point transfers can increase the value of your points (and make for a much more affordable vacation).

Highest “Business” Credit Limit: $30,000

While having a high-limit credit card can be convenient for a family, it’s often a complete necessity for a small business looking to make convenient inventory and supply purchases. The Capital One® Spark® Cash for Business is a solid introductory business card that, according to reviewers, can offer credit limits up to $30,000 for qualified applicants.

Capital One® Spark® Cash for Business

  • Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business
  • Plus, a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Use Spark Cash across all your business spend, with no categories to limit your purchasing
  • $0 intro annual fee for the first year; $95 after that
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • Get employee cards at no additional cost, and earn rewards from their business spend
  • See application, terms and details.

In addition to sizeable credit lines, the Capital One® Spark® Cash for Business also offers unlimited cash back on all of your purchases, as well as a solid signup bonus, making it easy to save a little on what your business needs most. You can also obtain employee cards at no additional cost that will add to your business rewards earnings.

Highest “0% Intro” Credit Limit: $24,000

With the convenience, ease, and rewards of using credit cards for major purchases, it can be tempting to swipe for just about everything. Unfortunately, interest fees can turn that easy buy into a nightmare purchase. A good way to avoid hefty interest fees is through a 0% APR introductory offer good on new purchases, such as the one provided by the Chase Freedom and Chase Freedom Unlimited sister cards.

According to reviews, Chase Freedom and Freedom Unlimited cardholders can see high credit limits of up to $24,000. That said, credit limits vary based on creditworthiness and income, and the average tends to be closer to $3,000

  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.24-24.99%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • See application, terms and details.
  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.24-24.99%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
  • See application, terms and details.

When deciding between the two cards, consider where you are likely to do most of your spending, particularly purchases for which you’ll want to enjoy the 0% APR introductory offer. If your spending falls into common categories, such as gas and groceries, the regular Freedom may be best. Otherwise, consider the Freedom Unlimited for its higher unlimited cash back rewards.

Highest “Student” Credit Limit: $5,000

Of all that can be said about college, perhaps the least understated is the significant costs involved. Even beyond tuition and housing expenses, the average student will spend nearly $1,300 just on books and supplies, and that’s before buying food, gas, and other essentials. Making it worse, many of those expenses tend to come all at once at the start of each semester.

One of the easiest ways to ensure you have the textbooks and notebooks you need for day one is to use a student credit card with a quality credit limit, like the Discover it® for Students. According to reviewers, the Discover it® for Students can offer qualified applicants a credit limit up to $4,500, although the average cardholder reports a limit between $300 and $3,000.

  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants or Amazon.com up to the quarterly maximum each time you activate. Plus, 1% unlimited cash back automatically on all other purchases.
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • See application, terms and details.

In addition to offering a relatively high limit for a student card, the Discover it® for Students gives cardholders many of the same perks as other Discover users, including 5% cash back bonus categories and 1% unlimited cash back on other purchases. Students who maintain a GPA above 3.0 can also earn cash back through Good Grades Rewards each year.

Highest “Fair Credit” Credit Limit: $5,000

While each credit scoring model has its own range, if your score is in the 600s, you are generally considered to have fair credit. With fair credit, you shouldn’t need to rely on subprime issuers to obtain credit, but you’ll still receive higher rates and lower credit limits than your good-credit friends.

That doesn’t mean you’ll be stuck with a three-digit limit, however. The Capital One® QuicksilverOne® Cash Rewards Credit Card, for instance, is reported to offer a credit limit of up to $5,000 to well-qualified applicants, with an average limit of around $2,000.

Capital One® QuicksilverOne® Cash Rewards Credit Card

  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your QuicksilverOne card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • See application, terms and details.

Cardholders who demonstrate responsible card use for the first five months by paying their statement on time become eligible for a potential credit limit increase. The Capital One® QuicksilverOne® Cash Rewards Credit Card also comes complete with unlimited cash back on purchases and a fairly low annual fee.

Highest “Bad Credit” Credit Limit: $2,000

Although the high fees and interest rates can be expensive, for some applicants, it’s the low credit limit that is the biggest drawback to a subprime credit card. And where some secured cards allow larger deposits to obtain higher credit limits, most unsecured credit lines max out in the three-digit range, making them difficult to use for anything large.

Rather than sinking hundreds into a secured card in the hopes of obtaining a higher limit, those looking to rebuild their credit can turn to a Fingerhut Credit Account. With reviews suggesting limits as high as $2,000, your Fingerhut account can be used to purchase thousands of goods from top brands across dozens of categories, including clothing, furniture, and electronics.

  • Fingerhut offers more than 500,000 items including the brand names you want like Samsung, KitchenAid, and DeWalt
  • Fast, easy online application process and a quick decision
  • Take advantage of low monthly payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit
  • See application, terms and details.

Reports from reviewers also indicate that credit limit increases are regularly awarded to responsible Fingerhut Credit Account users, though some information suggests these increases are most frequently given to those who use their account the most. On the plus side, a lower credit limit can be good for those consumers building credit, as it will temper the ability to overspend.

Perhaps the best part of your Fingerhut account is that it will report your payment history to the three major credit bureaus. This means that as you make on-time payments and maintain your account in good standing, your credit score will show improvements over time.

Increase Your Credit Score to Increase Your Limits

For all that many people want to live the high-spending lifestyle of those without credit card limits, maintaining an exclusive credit card or limitless charge card just isn’t worth the hassle and fees for most of us. Instead, consumers with great credit can enjoy big limits and big perks from many of their favorite everyday credit cards and a wide range of categories.

For those who are wallowing in low-credit limit limbo, the best way to improve your available credit is to improve your overall creditworthiness. Although your income will play a part, your credit report will play a much bigger role in determining your limit.

In essence, the better your credit report (and, thus, credit score) looks to prospective credit card issuers, the more likely you are to receive a credit limit toward the high end of the range. Furthermore, improving your credit score will likely also improve other key areas of your credit-related finances, including lowering your interest rates and fees.

Editorial Note: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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What's your highest Credit Card limit?

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What's your highest Credit Card limit?

Sock Drawer: Barclay Ring MasterCard (10k) | Discover More (6.5k) | CapitalOne VentureOne (4.5k) | Macy's | Amex Platinum Personal

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Re: What's your highest Credit Card limit?

Amex maxes at $25k for most users, beyond that takes a good bit of extra scrutiny. Many credit unions will go to $50k. There really isn't a max credit limit for a person but each lender determines what there maximum exposure to an individual is. Some places will say that you have to much available credit with other lenders but that isn't the norm, BOA is common with it though.

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Re: What's your highest Credit Card limit?

I couldn't possibly see a bank wanting to give more than $25,000 ( nor have I heard of too many people with higher than this ), what could you possibly buy with that much on a credit card? Car dealers won't let you charge a car on it, they don't want to pay that fee! If I were a bank, I would be willing to give a generous limit, but what if you lose your job. Sure you might make $100,000 now, but what if you have to accept a job for only $60,000, first thing you stop paying is the credit card.. its unsecured.

**EDIT** I forgot Banks don't think when they lend LOL, retract that comment about if I were a bank. that's like saying If I was a Senator I would.

Chase - United 5k, Amazon 1k, Freedom 2k

AMEX - Blue 6k, Everyday 6700 ** Discover - 9k

CITI - Div 5k, Forward 6k, Diamond 4k ** Wells Fargo - 3k

BOA - Better Rewards 1k, 321 Rewards 9k ** 5/3 - 1k

Store Cards - Amazon 4k, Lowes 6k, Walmart 1k

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Re: What's your highest Credit Card limit?

I couldn't possibly see a bank wanting to give more than $25,000 ( nor have I heard of too many people with higher than this ), what could you possibly buy with that much on a credit card? Car dealers won't let you charge a car on it, they don't want to pay that fee! If I were a bank, I would be willing to give a generous limit, but what if you lose your job. Sure you might make $100,000 now, but what if you have to accept a job for only $60,000, first thing you stop paying is the credit card.. its unsecured.

**EDIT** I forgot Banks don't think when they lend LOL, retract that comment about if I were a bank. that's like saying If I was a Senator I would.

Just this past weekend I purchased a used pickup truck from a local dealer for $17,500 and put it all on a credit card. Then, I transferred funds from savings, paid the card and will enjoy the 17,500 rewards points after the statement drops. I know it is not a universal policy but some dealers will accept credit cards.

Current Score: TU 741 EQ 741

Goal Score: TU 765 EQ 760

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Re: What's your highest Credit Card limit?

I couldn't possibly see a bank wanting to give more than $25,000 ( nor have I heard of too many people with higher than this ), what could you possibly buy with that much on a credit card? Car dealers won't let you charge a car on it, they don't want to pay that fee! If I were a bank, I would be willing to give a generous limit, but what if you lose your job. Sure you might make $100,000 now, but what if you have to accept a job for only $60,000, first thing you stop paying is the credit card.. its unsecured.

**EDIT** I forgot Banks don't think when they lend LOL, retract that comment about if I were a bank. that's like saying If I was a Senator I would.

Just this past weekend I purchased a used pickup truck from a local dealer for $17,500 and put it all on a credit card. Then, I transferred funds from savings, paid the card and will enjoy the 17,500 rewards points after the statement drops. I know it is not a universal policy but some dealers will accept credit cards.

True just curious would they of offered you a discount if you paid cash? I am sure they had tp pay a lot to the cc company



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