The Victoria's Secret Credit Card credit limit is usually around $500 to start, according to forum posts, and some cardholders report limits as high as $5,000. The issuer does not include any specific Victoria's Secret Credit Card credit limit information in the card’s terms, though.
For the most part, Victoria's Secret Credit Card 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 Victoria's Secret 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 customer service at number on the back of your card, but it’s best not to do that more than once a year. The issuer 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.
You can get a Victoria’s Secret Credit Card credit limit increase by requesting it online or by calling (800) 695-9478.
Your credit limit may also be automatically increased 6 to 9 months after opening your account. You can improve the chances of this happening by always paying your bills in full, before their due date. A higher income or credit score than when you were approved for the card could also help.… read full answer
Don’t forget that requesting a Victoria’s Secret Credit Card credit limit increase could result in a hard inquiry on your credit report. This may negatively affect your credit score, but only for a little while.
It is also worth noting that, apart from your credit score, various other factors will be taken into account for your approval. Your credit history, income and any debt you might have will also determine the outcome of your application.… read full answer
The credit limit on a Visa card can be as low as a few hundred dollars or as high as $50,000+, depending on the card and each applicant’s creditworthiness. However, keep in mind that the credit limit isn’t actually set by Visa. The issuers are in control of setting the credit limit. As a card network, Visa is more about where the card is accepted than anything else.… read full answer
Here’s what you should know about the Visa credit limit:
Visa credit limits vary because they depend on each credit card applicant’s credit score, annual income, outstanding debt and employment status, among other factors.
Visa credit card limits also vary because many different banks and credit unions issue Visa cards, and each issuer sets its own credit limits. In other words, Visa does not set credit limits – card issuers do.
In most cases, you actually won’t know the credit limit of the Visa you intend to apply for. Credit limits often aren’t advertised, and you can usually only find a minimum limit if it’s specified in the card terms.
In general, applicants with good credit or better will often get approved for credit limits between $5,000 and $15,000. Applicants with bad or fair credit are more likely to get a credit limit in the $300-$5,000 range.
Even if the credit line you receive on your Visa card isn’t what you were hoping for, you can always work to improve it. Many card issuers will check periodically to see if your account warrants an automatic credit line increase. They’ll occasionally increase the credit limit of customers who keep their accounts in good standing and use their credit wisely. If you don’t want to wait for it to happen automatically, you can request a credit limit increase by calling your card’s issuer.
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