
Sign up & start saving!
Get our weekly newsletter for the latest in money news, credit card offers + more ways to save
Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.
Updated
There’s no way to know what your credit limit will be when you apply for a credit card unless you’re already preapproved. Your assigned credit line depends on factors such as your debt-to-income ratio and your creditworthiness.
Luckily, if you’re not happy with the credit line you receive, you can always ask for a credit line increase after a few months of responsible card use.
In some cases, you can find out what your minimum credit limit will be if you read the card’s terms and conditions. But the credit line you’ll get could be different. A card issuer will weigh in a few factors before assigning you your credit line.
If the credit limit you received doesn’t meet your needs, you can always consider asking for a credit limit increase.
To successfully get an increase, you have to meet these eligibility criteria:
If you’re eligible for a credit limit increase, aim modestly as your request could get denied. You can still request a higher amount than the one you want because sometimes you may get a counteroffer, which may be enough.
As a general rule, requesting a credit limit increase between 10% and 25% is reasonable. But if you already have a low credit limit, say $5,000 or less, you can safely ask for a higher amount.
All credit cards in the table below come with a high credit limit. But the amount you receive depends on various factors, including your annual income, employment and creditworthiness.
If you have a good habit of paying off your balance each month and you have a solid debt-to-income ratio, then you’ll be more likely to get a higher credit limit.
But if you’re not happy with your credit line, request a credit limit increase either online or by phone. If you still haven’t found the right card, compare high limit credit cards.
Back to topSupport your child’s financial knowledge and teach the important real-life money skills in a safe and controlled way with a kids’ debit card.
Reduce your debt by around 30% after fees — but only if you can stick with the program. Here’s how.
Don’t be fooled by false promises — here are red flags to watch out for and tips to find a legit company.
This insurer has four dental plans to choose from — compare costs and features now.
Compare options if you’re self-employed, a freelancer, a partner and more.
Here’s where to get financial help for yourself and your business if you’ve been affected by the storm in February 2021.
Is Mercari the best secondhand app to buy or sell your goods? See Mercari pros and cons, reviews and complaints and general FAQs to decide.
Prepare to revamp your asset allocation and explore new investment classes.
Learn cost-sharing terms to find out how much you’ll really pay for healthcare.
Small cash advances perfect for avoiding steep overdraft fees.