Joyce Brown, WalletHub Credit Card Analyst
@j.brown
The usual credit limit for a first credit card is $100 to $500, on average, depending on which card you get. The credit limit could be as low as $100 for store credit cards or up to $500 if your first credit card is issued by a bank or credit union.
You may end up being disappointed with your starting credit limit on your first credit card if you have little or no credit history and limited income. On the other hand, people who've built good credit with loans or as authorized users can expect higher starting limits.
Key Things to Know About Your First Credit Card Limit
- Average credit card limits: The average credit card limit for new accounts is $5,021, according to TransUnion data from 2022. But there is no exact data on the average/usual credit card limit for people that have limited credit history.
- Get a higher initial credit limit: It is possible to get a higher initial credit limit by applying for a secured credit card. In this case, the security deposit will serve as your credit limit. And for some cards you can put as much as $1,000, or even higher. You can also get a higher credit limit if you’re listed as an authorized user on a card with a stellar credit history.
- Get a credit limit increase: Many credit card issuers review accounts regularly and raise credit limits automatically if the account is in good standing. So, in order to get a credit limit increase, make sure you use your credit card responsibly. That means paying your bill on time every month and keeping your credit utilization below 30%. You may also request a credit limit directly with the issuer, usually after at least 6 months of opening the account.
The initial credit limit that you will get depends on several factors, such as your credit score and income. So, if you have a limited credit history, it’s hard to get a high credit line. But once you start building your credit, you will have a better chance at getting a higher credit limit.
If you already have a mortgage or loan in your name, you may be extended a more generous credit limit. But this will only happen if you’ve managed the previous accounts responsibly. If you’d like to know where you stand, you can check your credit score for free, right here on WalletHub.

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