Learn How Mucha High Limit Credit Card Can Give!

  • 0% Intro APR.
  • No Annual Fee.
  • Great Rewards Programs.
Credit History
Intro APR
Intro APR Period
Ongoing APR
Annual Fee
Excellent / Good
0%
21 months
$0
  • 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 History
Intro APR
Intro APR Period
Ongoing APR
Annual Fee
Bad
n/a
n/a
See Terms
$0
True Credit Line for Fair Credit
Horizon Card Services
Horizon Gold Credit Card
Horizon Gold Credit Card
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  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
Credit History
Intro APR
Intro APR Period
Ongoing APR
Annual Fee
Bad
n/a
n/a
0.00%
Increase credit limit for bad credit
National Credit Direct
National Credit Direct
National Credit Direct
Apply Now
  • Shop Brand Name Electronics.
  • No Turn Downs.
  • Credit Limit of Up To $3,500.6
Credit History
Intro APR
Intro APR Period
Ongoing APR
Annual Fee
Any
n/a
n/a
0.0%
$49

Evaluating Your Opportunities by Higher Credit Limits

There is one important reason why people strive to higher credit scores. They want to have more opportunities using their credit cards. Banks evaluate your eligibility before issuing a credit card to you. The higher your credit score is, the more benefits you will be provided with.
Your credit eligibility is determined by a lot of factors: your income, the number of cards you owned, the way you pay off your balances and many others. As you start your credit, there is a low credit limit that bank gives you and you have to pay a lot of interest and fees. However, your credit score grows and credit limit available grows, too.
With a higher credit limit, a consumer has more freedom when making purchases and such transaction as balance transfers. If your spending limit is low, you have to be on your watch constantly in order to prevent going over the limit and penalty fees related to it. A high credit limit is a lifesaver in emergency cases and in journeys when you can need a considerable amount of money. What is more, a high credit limit has a positive effect on your credit to debt ratio and consequently on your payment score, provided that you usually use no more than 35% of the credit line.

Got Excellent Credit Score? Take Special High Limit Credit Cards

People work hard to obtain an excellent credit score, and they never regret making all those efforts. Considering your credit report, the bank can see how reliable and solvent you are. With not a single missed payment, a long credit usage history and a sober way to spend with credit cards, you become a consumer with excellent credit score. And this is how credit card companies show their confidence to you.
Any card offer for excellent credit is remarkable for a high credit limit and usually it is a low APR card. Especially trustworthy customers are offered not just top credit cards with high limit, but unique credit lines with a bunch of lavish rewards and bonuses.
If you are a possessor of excellent credit, you are worth being provided with some $20,000 or $30,000 credit limit or more, very low or 0% APR on purchases, beneficial terms on balance transfers. You can enjoy cash backs and annual bonuses, unlimited points and a variety of gifts depending on the type of card. What is more, people with excellent credit profile are eligible for prestigious bank offers like Platinum cards which can put a stress on your status.
Credit card companies present high limit plastics for purchases, for using abroad, for traveling with hotel rewards or frequent flyer miles. Pick up a card to match your lifestyle and needs. However, you should bear in mind that an exclusively high credit limit is still a limit, so it´┐Żs important to track your expenses.

Enjoy the Advantage of No Pre-Set Credit Card Limit

Not long ago the amazing feature of no pre-set spending limit was introduced into the top credit cards market. This benefit attracted a lot of consumers who liked the idea of having unlimited opportunities on their credit card.
No pre-set limit credit cards work in quite a simple way. The bank just determines no limit to your spending with the plastic. As a result, you will never have to think about how much you have spent and thus you have no risk of going over the limit and being charged with a penalty fee and interest rate. As you see, it is more than just a high limit credit card!
It is also very important to mention one sad inconvenience of no limit plastics.
Since credit reporting agencies need to calculate your credit utilization ratio (ratio of your credit limit and the balance of the card), they have no other way than considering any balance of yours as the highest one. It is common knowledge that the optimal credit to debt ratio should be no more than 30%. Still, there is a way to enjoy the no pre-set limit benefit without negative side-effects.
Use a considerable part of your credit line, so that your balance could be on a good level. Besides, you should stick to the general rule for frugal and savvy consumers: be wise and avoid overspending.

Enjoy a High Credit Limit Even
if You Have Limited Credit

Don't miss a high credit limit for fair credit history!

Having fair credit or, as we often say, average credit does not mean being content with a small credit line. Undoubtedly, you have to show reliable credit behavior before your credit issuing company will approve you for a higher spending limit. Don't forget that the lender should evaluate all the possible risks before giving you a high limit. So, make timely and full payments, keep the optimal credit utilization ratio, be frugal while shopping and very soon you will be able to ask for credit increase!

People who are trying to improve their credit can often be misled by credit line increase. Many cardholders consider it as a chance to spend more, thus carelessly damaging their credit score. In order to stay a trustworthy customer and get more benefits in future, you should try to use your new high credit limit only in emergency cases and do your best to reduce the balance as soon as possible.

Remember that all consumers with fair credit are going to become customers with good credit, if they stick to the principles of wise credit usage.

Build Your Credit and Get Credit
Limit Increase!

Improve your credit and get credit limit increased!

In order to build credit history, people apply for credit cards which have rather high APR and little credit limit. Plastics for bad credit are not beneficial; they are just a way to cope with purchases and show how accurate you are with credit. These bank products are rather expensive to handle, so in most cases consumers do not need a high credit limit, as it will lead to greater expenses.

Using a credit card for bad credit, you should get used to wise credit management. Stick to your payment schedule and try to make more than minimum payments, thus earning more and more points of your credit score. After some time of reliable credit card usage, your lender can agree to increase the credit limit.

You can either ask for credit line increase or the bank will decide to enlarge your credit line without your request. However, one should bear in mind that credit increase does not mean more purchases with this card. Use credit limit increase as a way to improve your credit score and get ready to receive high limit credit cards for good credit in future!


News About Credit Cards

Keep up with the latest news of ApplyFast.com! Read the news below or see the extensive news list giving curious facts happened in the credit sphere not long ago.

Credit Mistakes
(05:01:57 AM Wednesday, March 4, 2009)
They say that to err is human, and it's especially true when it comes to financial matters. The recent survey held among card holders has shown that a vast majority of borrowers have little idea of the changes to their accounts. It's not news that banks and companies adjust their risks by making changes they deem appropriate. Slashed spending limits and increasing interest rates are just a few of them. Even minor changes can affect you greatly. Learn how to stay on top of your finances by avoiding typical credit mistakes during tough economic times.
Comments(0)
Credit Card Debt
(05:38:02 AM Friday, January 30, 2009)
Credit card debt settlement has much in common with dieting. When we start gaining weight, we feel some sort of discomfort. When we struggle to keep up with our monthly payments, it can be even worse. In both situations, people try to gain balance, but as a rule it is not that easy as some might assume. Soon after winter holidays we can notice some excess weight or excess debt as a result of overspending during Christmas holidays. Learn how to resolve your credit debt and become debt-free.
Comments(0)
Got a million questions about credit cards? There are just few things you´ve lost of sight? Get a proper professional advice or a helpful hint through our Q&A Online Session. Our experts are there for you 24/7 a week to answer your questions. We are here to help you make your credit card experience more sensible.
My credit scores are about 800s. Want to know beforehand how much my credit line will be. Any suggestions?
Answer
Your credit scores are excellent and it means that you can consider bank offers with really attractive terms and a high spending limit is no exception. When it comes to spending limits, you can hardly know for sure what your credit limit will be. The company generally sets its amount after your application has been processed. Good news is that you can view approximate credit limits before applying for a card. We offer you to browse top credit cards on our site. Take a look at Discover« Card offers. They come with high spending limits from $5,000 to $50,000. In addition to that, you can take advantage of a good rewards scheme and other attractive features, like no annual fee, 0% Intro APR, and others. Compare bank offers and choose the one that fits you best!

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