How much is your highest limit on your credit cards?

therioman

AFAIK your "income" is not the main factor in calculating your credit worthiness and thus your offered credit limit.


And yes, 5 figure and even 6 figure limits exist.


I have a Halifax Card (held since 1999) with a current limit of £27,500.
A Barclaycard "Platinum" (doesn't everyone?) with £11,500
A regular HSBC card with £7,200
A Mint card with £3,000
A Capital One Card with £12,000
...and numerous others. Total Card credit available is something daft like £120k when I last checked.


I don't have earnings of 2-3 times that of even the Halifax Card. I wish I did.


The logic of it I fail to understand, but that's how it goes.


On the flip side, I have no mortgage (and don't own a property), no loans and so on, so I have all my "credit" in an unsecured manner in one format.