What is the maximum credit limit i can get on one card

[accjohn1990]

My annual income is 14,500.  

[Anonymous]

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@accjohn1990My annual income is 14,500.  

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Income is just one factor that goes into the answer you're looking for here.  The creditor itself is a big factor, then of course your entire credit profile/report/scores.  Two dramatically different profiles both with $14,500 income could mean one person getting a $500 max limit card where the other person gets a 5-figure limit.

[peacemak3r]

I was given a 3k SL with a 16k annual income (part-time position during college) last year.

[Anonymous]

About tree-fiddy

[Anonymous]

Without providing many other data points outside of just income, just mentioning limits here really isn't going to be meaningful.

[accjohn1990]

This question is a theoretical with the credit profile assumed to be the best possible.  I have two cards each with 10k limits and i would like to know if cli on them is possible.  

[Anonymous]

It’s not about how much you make it’s more about your profile. I know people that are in school and have higher trade lines than me and yet they have no income. The better your profile the more a lender trusts you to pay back what they lend you.

Someone with a 100k income and a bad profile will get a smaller limit vs a person making 20k and has a thick profile and a clean record.

It’s about risk factor for these banks. Is your profile good enough for the bank to trust you with more money? That’s the question you should be asking yourself.

[Anonymous]

It's about both. Yes someone with low income but a good profile might have higher CL than someone with high income and bad profile but high income and good profiles aren't mutually exclusive, someone with both would certainly have the best chance of achieving the maximum credit limit.

[Kevin86475391]

Maximum credit limits will always vary from lender to lender, and as others said it depends on a lot more than just income.

Personally I think a $10K limit on a single card with an income of $14,500 is incredibly generous, and much more than I would have expected a lender to extend in 'typical' circumstances. I'd say if your total credit limit across multiple cards and lenders is in the 10-30K range, then that's reasonable, but 10K/14.5K on a single card is quite a large risk for a single lender to take.

[Kree]

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@accjohn1990wrote:

This question is a theoretical with the credit profile assumed to be the best possible.  I have two cards each with 10k limits and i would like to know if cli on them is possible.  

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Going with theoreticals, I've heard 2x your annual income as being a hard limit to get past.  but I've got no data on that.