What Credit Score Will Get a Credit Card With a Large Credit Line?

by Jeannine Mancini
If you have limited credit, expect to start with a low credit limit until you establish a payment history.

High-limit credit cards are often reserved for consumers with good-to-excellent credit scores. Credit card companies use different methods to determine your limit, such as predetermined limits based on the type of card or credit-based limits that range based on your score. There is no credit score that guarantees a high-limit credit card; however, a higher score will increase your chances. The Fair Isaac Corporation credit-scoring model FICO ranges from a low of 300 to a high of 850.

Credit Card Basics

If your score is at 620 or below, you may have a difficult time obtaining a credit card. Credit card issuers typically start customers out at a lower limit and gradually increase after they make timely payments. Not all credit card companies automatically increase credit limits; some require you to request a limit increase. To qualify for a credit card with an initial high limit, you will likely need an excellent credit score. According to Bankrate.com, a FICO score of 760 is considered the low end of the "excellent" credit category. Scores between 725 and 759 are considered "very good."

About the Author

Jeannine Mancini, a Florida native, has been writing business and personal finance articles since 2003. Her articles have been published in the Florida Today and Orlando Sentinel. She earned a Bachelor of Science in Interdisciplinary Studies from the University of Central Florida.

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