4 Ways to Get a Higher Limit on Your Credit Card

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Do you have good credit? If so, you won’t struggle to qualify for some of the best available credit cards. With good credit, you gain access to offers with: the lowest interest rates, no or low annual fee, robust rewards programs, and so much more. Thanks to your strong credit history, card issuers have confidence that you’ll act responsibly. This alone goes a long way in putting you on the right track, as you know that you’ll qualify for many offers. Below, we share information on some of the best credit cards for good credit.
Credit Brand Visa
Good
Annual Fee$0.00
8.99%-29.99% APR
Rewards1.5%
Sat 16 Jan 2021
Link to Rates and Terms
Credit Brand Mastercard
Fair
Annual Feesee terms
25.90% - 29.99% (Variable)
RewardsN/A
Sat 16 Jan 2021
Applying for a credit card is generally a decision based on your personal finances. For instance, a credit card is one of the best tools for building your credit history after graduating from college. That’s a good reason to apply. Conversely, if you’re searching for a credit card to make a purchase, you'll need to consider other factors like if intend to carry a balance.
Credit Brand Mastercard
Excellent/Good/Limited
Annual Fee$0
15.49%-24.99% (Variable)
RewardsEarn 1% cash back on every purchase. Terms apply.*
Sat 16 Jan 2021
Credit Brand Mastercard
Poor
Annual Fee$0 - $99
24.9%
RewardsN/A
Sat 16 Jan 2021
When was the last time you checked your credit score? Can you remember, or was it so long ago that it has slipped your mind? While there’s no good reason to check your credit score every day of the week, you should get into the habit of doing so regularly. Check out is this great article on the topic.
Credit Brand Mastercard
Bad
Annual Feesee terms
25.90% - 29.99% (Variable)
RewardsN/A
Sat 16 Jan 2021
Give Your Credit a Surge
It is easy to complete our online application. The Surge Mastercard® is designed for people with less than perfect credit. If you make on-time minimum payments and maintain your balances under the credit limits, you may be able to build, rebuild, or reestablish your credit!
How it Works
The Surge credit card is designed for people with less than perfect credit who want to get back on track. After you complete our short and easy online application, your results will be ready in a matter of seconds! Don’t miss this chance to Surge!
Why Choose the Surge Card?
If you have poor credit and are trying to improve your credit score, using a credit card responsibly may help. The Surge Mastercard® will report your payment activity to the three major credit bureaus on a monthly basis. Maintaining a low balance and paying your bill on time every month are two of the best practices for positive credit.
Get Approved Today!
It is easy to complete our online application. The Surge Mastercard® is designed for people with less than perfect credit. If you make on-time minimum payments and maintain your balances under the credit limits, you may be able to build, rebuild, or reestablish your credit!
Credit Brand Visa
Excellent/Good/Limited
Annual Fee$0.00
12.99% to 26.99% Variable
RewardsUp to 1.5% cash back after making 12 on-time monthly payments
Sat 16 Jan 2021
With a secured credit card, you’re required to make a cash deposit in order to use the card. This deposit acts as your collateral and credit limit. A secured credit card is typically for consumers with no credit or bad credit. An unsecured credit card is the more traditional of the two, as it doesn’t require a deposit to get started. Instead, your credit limit is based on your credit score, credit history, and income.
Credit Brand Mastercard
Fair
Annual Fee$35 - $99
24.9%
Rewardsn/a
Sat 16 Jan 2021
* Dependent on credit worthiness
Credit Brand Mastercard
Fair
Annual Fee$35 - $99
24.9%
RewardsN/A
Sat 16 Jan 2021
In a perfect world, you would never be charged interest for using a credit card. Unfortunately, most credit cards – outside of balance transfer offers with an introductory zero percent rate – have an interest rate attached to it. The key thing to remember is that you only pay interest if you carry a balance from month to month. Get into the habit of paying your bill in full as a way to avoiding finance charges.
Credit Brand Mastercard
Good
Annual Fee$0 - $99
24.9%
RewardsN/A
Sat 16 Jan 2021
Credit Brand Mastercard
Fair
Annual Fee$0 - $99
24.9%
RewardsN/A
Sat 16 Jan 2021
A good credit score is nothing to be embarrassed about. While you still have room to improve – with hopes of reaching very good or excellent status in the future – you’ve already made solid progress.
If you have the goal of turning your good credit score into an excellent credit score, there are some key steps you can take.
If you’re in the habit of doing so, stick with your plan. However, if you’ve missed some payments in the past, don’t continue down this path in the future. A missed or late payment will drag down your credit score, making it difficult to move into “excellent territory.”
Even though you want to improve your credit score as quickly as possible, it’s a process that requires patience and attention to detail.
The length of your credit history impacts your score, so stay the course and do all the right things over an extended period of time.
It’s common to pay so much attention to your credit score that you overlook your actual credit report. This is a big mistake, as an error on your report could drag down your score.
Get into the habit of reviewing your credit report at least once per year for errors. If you see something that doesn’t look right, contact the credit bureau to file a dispute. Removing bad data from your report can result in an immediate increase in your score.
Anything you can do to reduce your balances is something to strongly consider. For example, if you have a maxed out credit card, pay it down as quickly as possible. As your debt decreases you put yourself in position to experience a credit score increase. Just the same as your credit card, consider other forms of debt that you can payoff. This includes everything from home equity lines of credit to personal loans.
One hard inquiry after the next can ding your credit score, thus keeping you in the “good range” as you’re doing everything else possible to achieve an excellent score.
A hard inquiry can impact your score for up to one year, so you want to limit these at all costs. For example, this comes into play when you sign up for a store credit card or apply for an auto loan.
Turning your good credit score into an excellent credit score is easier said than done, but with the right approach you can reach your goal in the future.
It can take some time to achieve an excellent credit score, so don’t get frustrated if you don’t see immediate progress. Slow and steady wins the race!
ApplyNowCredit is always looking for the best and most efficient way to making the credit card comparison process a hassle free experience. Below you will find our most popular credit card guides.
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