What is Aspiration Zero credit limit?

Question

To get approved for a high limit credit card, you will need good to excellent credit and proof that you can afford a high spending limit. More specifically, your credit limit will be determined by several factors, including your income, assets, and existing debt obligations. Picking the right credit card goes a long way, too.... read full answer

How to Get Approved for a High Limit Credit Card

Apply for a credit card with a high starting limit: Top-notch credit cards such as the Chase Sapphire Preferred® Card typically offer credit limits starting at $5,000. You may find minimum starting credit limits listed in some cards’ terms and conditions. In other cases, you might be able to get some information from cardholders’ reviews.

Improve your credit score: High limit credit cards typically require good or excellent credit. Before you apply for such a card, you should check your credit score to gauge your approval odds. If you’re unlikely to qualify based on your score, you will need to add positive information to your credit report. Once you’ve established a strong credit profile, you can then target credit cards known for their high initial credit limits.

Increase your income and reduce your debt: The higher your income is, the better chance you have of getting a new card with a high initial credit limit. Similarly, reducing your debt boosts your odds. Also, if your income goes up in the future, be sure to update your credit card’s information, as this could help get you a higher credit limit.

Get a credit limit increase: Some credit card issuers may automatically review your account for a credit limit increase every 6 to 12 months, but it’s not guaranteed. You can also request a credit limit increase, either online or by calling the issuer’s customer service department. Keep in mind that requesting a credit limit increase on your own may result in a hard inquiry, which could hurt your credit score.

Ultimately, to have a better chance at getting approved for a high limit credit card, you should also make sure to always pay bills on time, use 30% or less of your available credit, and otherwise make good financial decisions.

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Answer 1 · 2022-08-18 13:37:20

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Chip Lupo, Credit Card Writer

@CLoop • 08/18/22 This answer was first published on 08/18/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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The Aspiration Zero Credit Card credit limit is usually around $12,000 to start, according to forum posts, and some cardholders report limits as high as $40,000. Aspiration does not include any specific Aspiration Zero credit limit information in the card’s terms, though.

For the most part, Aspiration Zero credit limits depend on each applicant’s overall creditworthiness. Those with the highest income and best credit scores will generally be offered the highest starting credit limits.

That said, the Aspiration Zero Card credit limit that you start with isn’t necessarily your credit line forever. You can ask to get a credit limit increase by calling the Aspiration customer service number on the back of your card, but it’s best not to ask more than once a year.

What is Aspiration Zero credit limit?

Chip Lupo, Credit Card Writer

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