Getting a high limit on a credit card is contingent on a number of factors. Specifically, credit scores, credit histories, and your current debt levels all play a role. Ultimately, however, the methods credit card companies use to determine credit limits are kept under wraps and vary from company to company. No credit card company will provide as much as an estimate of your potential credit limit until you have completed and submitted an application. Additionally, many credit card companies have sharply reduced initial credit limits in the post-credit crisis world.
To insure you get the credit limit you desire, you may want to apply for multiple credit card offers from different companies and accept the one that provides you the best credit limit or interest rate. Additionally, if you do not get a high enough limit on one card, you may get a combined credit limit that meets your needs.
Editor's Note: To verify which credit cards offered high limits, customer service reps were contacted at a number of credit card companies. At each company, the customer service reps emphasized the fact that the size of credit limits granted could vary dramatically based on a review of the applicants credit history.
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