The BB&T Spectrum Cash Rewards Credit Card credit limit is $500 or more. Everyone who gets approved for BB&T Spectrum Cash Rewards Credit Card is guaranteed a credit limit of at least $500, and particularly creditworthy applicants could get limits a lot higher than that. The higher an applicant’s credit score and income are, the higher the starting credit limit is likely to be.
The BB&T Spectrum Cash Rewards Credit 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 customer service number on the back of your card, but it’s best not to do that more than once a year. BB&T will also evaluate your account periodically to determine whether you are eligible for a credit limit increase. Paying on time and keeping your credit utilization low are key for getting unsolicited credit line increases with BB&T.
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