Barclaycard credit limits are hard to predict. Some credit card companies note the minimum credit limit you’ll get if you get a card, in its terms and conditions. But the only info you’ll find on Barclaycard credit limits is that A) you can’t request a specific limit and B) they’re based on Barclays’ evaluation of your credit. I even tried calling and couldn’t get any more details out of them.
The best, most popular Barclaycard is probably Arrival Plus. So let’s use that as an example. Here’s what you’ll learn about this particular Barclaycard’s credit limit from its terms and conditions:
“We do not permit applicants to request a specific credit limit. We do not consider a request for a balance transfer made with an application to be a request for a particular credit limit. We determine the credit limit on your account independent of and prior to processing any balance transfer request.”
So no one but Barclays can tell you what your Barclaycard credit limit will be. But you can learn a thing or two from user reviews:
- @mcgee_davidr said this about Arrival Plus: “...After 3 years, they lowered my credit limit out of the blue one day from $7k to $3k.”
- @beto84 said this about Barclaycard CashForward: “…approved for initial credit limit of 5 K with a perfect FICO score of 850 (i'm not kidding) and an annual income of more than 650 K.” For Mastercard Black card, people have reported credit limits as high as $20,000-$25,000
User comments can be helpful, but you should also take them with a grain of salt. They may not be representative of the general population. So in the end, it’s still impossible to say what your Barclaycard credit limit will be.