how to get High limits on credit cards

[SoCalGardener]

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@Anonymous wrote:

how do people get high credit limits?

i see a 22yr old post a new card Navy federal with $33k, 

I thought you cant even get a credit from big banks before 21? 

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But for every one of those you see around here, there are probably ten saying they have a $500 limit, and haven't been approved for an increase in 10 years!

Based on your stats, I'd say you're doing quite well already. If you follow the basic rules of good credit, you should find as time goes on that you're getting higher and higher limits, better APRs, and so on. In other words, the perks/privileges that go along with being a responsible credit user will be more accessible the longer you stay on track with good credit habits.

[4sallypat]

You already have high credit limits including a TCL - so why are you focused on higher credit limit cards ?

Do you plan on spending more than 1% utilization that you stated ?

If not, be scared of the banks pulling back your credit limit down because you don't use it.

I am worried about my top SL card: X1 21K.

This new fintech bank may reduce my limit because I only put on 0.5% use each month....

They may just say, well you don't need 21K and reduce it to 5K or less!