The Reflex credit limit is $300 to $2,000. Everyone who gets approved for Reflex is guaranteed a credit limit of at least $300, and particularly creditworthy applicants could get limits a lot higher than that, up to $2,000. The higher an applicant’s credit score and income are, the higher the starting credit limit is likely to be.
The Reflex card credit limit that you start with isn’t necessarily your credit line forever. In fact, Reflex will double your credit limit – up to a maximum of $2,000 - simply for paying the first 6 monthly payments on-time.
Yes, the Reflex card does give credit limit increases to cardholders who meet the credit score and income requirements. After the first six months, you can ask the Reflex card’s issuer to review your account to see if you qualify for a higher credit limit – up to $2,000. You can make this request by calling customer service at … read full answer(866) 449-4514.
Reflex Card Credit Limit Increase Info
To be eligible for a credit limit increase, you must have no late payments or delinquencies on your Reflex card account for the first six billing cycles.
Reflex credit limit increases do not automatically apply to your account. You must ask to receive one.
The Reflex credit card’s issuer will perform a hard pull on your credit report to check whether you qualify for a higher credit limit.
The Reflex card credit limit can be increased to a maximum of $2,000, as long as you meet the credit score and income requirements.
To improve your odds of qualifying for a higher Reflex card limit, always make on-time payments and keep your balance well under your current spending limit. For more tips, check out WalletHub’s guide on how to increase your credit limit.
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.
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