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.
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.
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.
To check your Aspiration Zero Card balance, log in to your Aspiration account online or call credit card customer service at 1-800-683-8529. It’s also possible to check your Aspiration Zero Card balance through the Aspiration app.
By Phone: Call 1-800-683-8529 and follow the prompts to connect with a customer service representative.
By App: Log in to the Aspiration app. Your credit card balance will be shown on the home screen.
It’s a good idea to keep an eye on your Aspiration Zero Card balance. If your balance seems higher than it should be, take a moment to look over your recent transactions for anything out of the ordinary.
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