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Cards never endorse their credit limits, but the majority of the applicants wish to know how much they can spend. While the chances of having a high spending limit are more when you have a good credit score, the ones with bad credit wonder what they can do to improve their chances.

We wouldn’t go into the details of why you need a high credit limit. Perhaps you want to make a big purchase! Who’s judging you?

But, here’s some news for you – First thing first 

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You most likely won’t find a card with that high of a limit with bad credit.

What is a high credit limit?

‘Different strokes for different folks.’

The definition of ‘high credit limit’ will vary from one person to another. For us, anything between $5000 to a whopping $10,000 is considered a good start. Hold that thought!

There are some cards that offer a maximum limit of a whopping $100,000. But, not everyone reveals the numbers for obvious reasons.

Let’s take a look at our list of credit cards which you are most likely to get approved on with bad credit.

Platinum Credit Card from Capital One®

Capital One Platinum Card

People are giving multiple reviews about the Capital One Platinum Credit Card, claiming that they’ve been approved with a low credit score and have been given $1,000 credit limit increases multiple times in a single year. We can vouch that you may get approved for this card with a credit score of around 580 and that the company is very generous in giving credit limit increases frequently.

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Total Visa Credit Card

The Total Visa credit card has very good ratings and is known for instantly approving those with low credit scores. The application process is quite easy and quick. One can easily manage the monthly payments. Their site states that the initial credit is always $300 however I have seen reports of people getting credit increases within the year.

Total Visa Credit Card is a legit VISA card that is accepted by merchants all across the United States of America.

Credit One Platinum

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The Credit One Platinum card is a great starter card for those with low credit and it’s unsecured, meaning you won’t have to pay a security deposit.

First Access Visa Card

If you do not have a perfect credit score, then still First Access VISA card offers you approval.

For starters, this credit card is offered by the Bank of Missouri.

When you knock all doors and nobody answers (to give approval) First Access gives you the opportunity to have a high spending limit.

The application process is secure and easy. At first, they will offer a $300 credit limit, but I have seen reviewers talking about how the spending limit increases over a period of time.

First Tech Platinum Secured MasterCard

There are some issuers who cap the credit limit, but First Tech Platinum Secured MasterCard offers a total credit limit of $500 and it goes up to $25000.

Apart from having a decent credit limit, the card is beneficial for those who want to make plenty of purchases or wish to build their credit.

To apply for the card, one has to become a member of the ‘First Technology Federal Credit Union.’

Things To Note: 

In case you want a guaranteed approval, but can make peace with a lower credit limit, then DISCOVER it Secured a credit card is also a good option.

You will get excellent rewards and a generous bonus is provided to the new members. Keep it in mind that this card has a higher APR and the credit limit is up to $2500.

How Did We Pick These Credit Cards?

Welcome to a world where nobody is transparent about the credit limit. The majority of the credit cards will reveal a limited spending amount of $300-$500.

Please note that $300 is just the starting point. The credit card issuers will decide the credit limit on the basis of your application. Some sensitive information and credit reports will be kept in mind before deciding your credit limit.

Let’s rope in the fact that your monthly income is quite handsome. Plus, you do not have any pending debt. Card issuers would be comfortable offering a high credit limit to you. That’s because you have the ability to pay the monthly amount.

Ideally, keep a good relationship with the card-issuing company and you will reap the benefits in the long run.

Just think of it this way – if you have a credit card with a limit of $20,000, but want to increase the spending limit, the card issuer can make it happen. Instead of applying for another credit card with a $10,000 minimum limit, your card issuer will give you a credit card with a total credit of $25000.

To sum it up…

A credit card with a $10000 credit limit for bad credit (no deposit) is rare. However, secured credit cards give you the option to put in a deposit. There was a time when Wells Fargo Secured Visa offered people with bad credit to make a deposit.

Lenders are unsure of giving guaranteed approval and high limit credit to those with bad credit. However, take your chances and apply for them. If not, there is always a chance to get approval for low limit credit cards.

Speaking of credit limits – 

A card issuer may never disclose the credit limit, but you will always get guaranteed approval by the issuers mentioned above.

If you want to increase your credit limit, by getting a loan and consolidating your other debts read this article on easy loans with bad credit.