7 Simple Ways to Increase Your Credit Card Limit
Many credit card holders aspire for a higher credit card limit. The obvious reason for this is that a higher credit card limit enables the purchase of otherwise unaffordable merchandise.

First and foremost, credit card holders need to remember that to get a higher credit card limit, they must abide by the terms and conditions of the credit card company or bank.

Below are 7 other ways to get a higher credit cards limit.

• The most important thing to do for getting an increased credit card limit is definitely to prove your creditworthiness. This is the first thing that banks and companies look for when giving a higher credit limit.

• Attract positive attention from the credit card issuer or bank by paying finance charges once in a while. Obviously, this is not advisable on a repeating basis and should only be used as a last resort to increase your chances of getting a higher credit limit.

Proving to credit card companies and banks you are good "borrower" can be a convincing way to obtain a higher credit limit. But be careful because this strategy also means that you will be paying finance costs which can accumulate in a hurry.


And always remember, an increased credit card limit means greater purchasing power, but it also increases the risk of your having to pay greater interest fees and various other processing and later fees.

• Always spend within your credit cards limit because doing so means that you are capable of controlling your expenses.

• Use your credit cards regularly. Don’t keep your cards for emergency use only. If you use your bank cards sparingly, banking institutions and credit card issuers will be unable to understand your spending and pay-back behavior. Under these circumstances, most banks and credit card companies will end up being reluctant to give you a higher credit card limit.

• Never make minimum payments. Instead, try to pay for the entire outstanding amount. This will usually give you a better chance of obtaining a higher credit card limit.


• Avoid late payments as much as possible. Not only will your increase payment increase, but you may also have to pay an additional fine for not clearing bills on time. This will also dim your chances of getting a higher credit cards limit.

• The best and simplest strategy for obtaining a higher credit card limit is to use your credit cards wisely. Always keep in mind that credit card issuers keep a record of your transactions and payment patterns, so often pay on-time.

The bottom line is that your performance in the records of banks and credit card companies will determine whether you’ll get a higher credit card limit or not.

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