How to Get HUGE Credit Card Limits | My Experience

So let’s talk about how to get huge credit limits on your credit cards. And I’m not talking about $10,000 or $15,000; I’m talking about $25,000 and higher.

In this video, we're going to cover how to get massive credit limit increases, and I’m going to talk to you about my own personal experiences that got me multiple high-limit credit cards so that you can apply these strategies to your own credit card setups and hopefully get higher limits on your cards as well.

The first concept that’s really important to understand doesn’t even have to do with credit cards, and that’s understanding income and debt and how it plays a role in credit limit increases.

The next step is to increase our credit limit by gradually moving from one credit limit tier to the next. A credit limit tier is a subjective tier that you set for yourself depending on what your starting credit limits are.

For example, when I first started getting credit cards, the cards that I opened had a credit limit of around $1,500 on each card so that was what I considered to be my starting tier. I then set my next credit card tier to be around $3,000, which was about twice as much as my starting tier, so my goal was to get all my starter cards to this next credit limit level.

You should try to raise your tiers with multiple cards within the same bank system. This will set you up well when we talk about the third part of this strategy, which will involve transferring or reallocating credit card limits between different cards within a single credit card issuer, which can be a very powerful move.

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Chapters:
00:00 Intro
01:02 Step 1: Understand Income, Debt, and DTI Ratio
03:07 Step 2: Set Goals For Credit Limit Tiers
05:38 Step 3: Reallocate Credit Card Limits
09:10 Summary
10:49 Outro

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Note: This description contains affiliate links, meaning that I may earn a commission if you click through these links and successfully apply, sign up, or buy the product or service mentioned.
 
Disclaimer: I am not a financial advisor, accountant, or lawyer, and as such, I do not provide financial, tax, or legal advice.  This video, and any ideas presented in it, are opinions and are provided for entertainment purposes only.  Please do your own research and consult your own financial, tax, or legal professional for specific advice.
 
#creditlimitincrease #creditlimit #creditcards

[TheCreditFrog]

What has your experience been with getting credit limit increases? Let me know in the comments below 👇!

[SpencerJohnsonOfficial]

Loved these strategies, Stan! Getting credit limit increases is always a really great feeling, and personally, since I am more or less new to the credit card game, I have found that the best way for me to increase my overall credit limit across all my cards is to continue opening new ones haha. As you mentioned, those higher-tier cards come with some really high credit limits offered so if you decide to move that credit limit around to other cards, that could be really helpful. Great work as always man. Your channel is growing like crazy!

[chrisaragon]

Just applied on get the Amex blue everyday cash back and got a 2x from my recent credit card so I can see how this video came in handy! Thank you once again!

[AnthonyVenture]

Denied for the capital one quicksilver card because I don’t use it at all haha.

I never considered raising all credit limits like rising a tide to raise all credit boats. I usually just left those first cards by the wayside and forget where I came from but maybe that’s a mistake.

WOW THATS SO CRAZY!! I had no idea you can transfer credit limits to other credit cards within the same issuer!!!

Very solid video, I think my perspective has been shifted. Thanks Stan!

[OfficialEricGao]

Great video Stan the man! I've personally used some of these tricks myself!

[nathanlevin_]

I really loved this video, the lighting, and the setup were incredible.

[ConstantPoints]

That’s some awesome and useful information sir! Thank you for sharing!

[MattWelterOfficial]

Great point on the Debt to Income Ratio. Credit Card Issuers want to see that you are making significantly more money than you owe. Kinda like when finding a stock to invest in, obviously you are going to want to look for companies that have significantly more assets than liabilities, because you can trust them more financially. Wow that's incredible that you were able to get over $28, 000 in Credit Limits from your Southwest Card and were able to transfer that to other Chase Cards! Great video as always Stan!

[ItsMeCJ]

Excellent video Stan! I'm loving the growth with your editing as well. Very good strategies here. I've never asked Chase for a CLI because they will always need to make a hard inquiry on your credit report in order to make a decision -_-. I've definitely heard that Chase would sometimes recommend opening another credit card since a hard pull is required for a CLI. I've only taken advantage of CLI's with Discover because of the soft pulls.

[Leoprieto]

And the beautiful Amex Thumbnail won!! I am proud of the best card issuer of the planet!!! Don’t Live Life Without it.

[joshua.butler]

Great breakdown Stanley! This makes me want to go out and ask for CLIs...for science 😋

[MannyCovington]

I'm waiting to try to get that 3x CLI from AMEX. Only a matter of time before I get one!

[davemartinez]

Great video I wish I would have saw it 30 years ago. I have never asked for a credit limit increase. I remember my first credit card in 1985 was a Visa card and had a $250 limit. I would guess my total credit limit on all my cards is somewhere between 275 and 300. But I never have a credit utilization of over 2%.
I shared more than I've ever thought I would.

[ShaineMata]

I've been trying to get into the 10K range. I was finally able to combine credit limits to push me out of the 6K range.

[ImStillStealingSteel]

Love this vid, Stan. Definitely trying to increase my personal cards with Amex, my Amex Business cards are high af. Lol. And I recently joined Navy Fed, applied for their More Rewards Amex, got approved for $24, 900 limit. I literally wasnt expecting that much. Lol. But becuz I have that card, do u think other companies (if I apply) would offer me something close that limit?

[CalbyNg]

Huh, interesting. Never thought about credit limits as goals or tiers. 🤔My experience with credit limit increases has been Chase is stingy and Amex is generous, lol.

[MissEnglish]

In the beginning I used to pay attention to my credit limits but not anymore, I seem to have enough on the card to do what I want, I just wait for them to increase it

[SummerSunset]

Citi, Elan, FNBO, Discover, Synchrony & AMEX cards have all been either auto CLIs and/or SP CLIs ☺️

[playthatagainbruh]

Just cringed on BNPL cause AFFIRM definitely has me for a few months 🤦🏾‍♂️

[lanacao]

Can you ask CLI on Amex card after 60days? Or wait at least 91days. Thanks!