{"id":20142,"date":"2024-01-12T12:47:51","date_gmt":"2024-01-12T18:47:51","guid":{"rendered":"https:\/\/www.lexingtonlaw.com\/blog\/?p=20142"},"modified":"2025-06-06T10:15:34","modified_gmt":"2025-06-06T16:15:34","slug":"what-is-a-credit-limit","status":"publish","type":"post","link":"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/what-is-a-credit-limit.html","title":{"rendered":"What is a credit limit and which factors affect it?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"570\" height=\"190\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/01\/what-is-credit-limit-hero-1500x500-1.jpg\" alt=\"\" class=\"wp-image-20143\"\/><\/figure>\n\n\n\n<p class=\"has-white-color has-text-color has-background has-link-color wp-elements-550b3dd08ff7dfd756a8e2e5aa79e347\" style=\"background-color:#00204f\">A credit limit is the maximum amount of money a person can currently borrow from a financial institution.<\/p>\n\n\n\n<p><em>The information provided on this website does not, and is not intended to, act as legal, financial or credit advice. <\/em><a href=\"https:\/\/www.lexingtonlaw.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\"><em>See Lexington Law\u2019s editorial disclosure for more information.<\/em><\/a><\/p>\n\n\n\n<p>Credit cards and lines of credit let us borrow funds from banks, credit unions and various companies. Credit limits determine just how much money we can borrow without incurring penalties like overdraft fees. Americans tend to gradually increase their credit limits as they age; <a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/state-of-credit-cards\/\" target=\"_blank\" rel=\"noreferrer noopener\">Experian<\/a><a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/state-of-credit-cards\/\">\u00ae<\/a> reported that the average credit card limit for Generation Z in 2022 was $11,290, while the average credit limit for Baby Boomers was $40,318 that same year.<\/p>\n\n\n\n<p>\u201cWhat is a credit limit?\u201d may be such a common question because multiple factors can influence a person\u2019s limit. We\u2019ll explore this question and discuss <a href=\"https:\/\/www.lexingtonlaw.com\/education\/how-to-increase-your-credit-limit\" target=\"_blank\" rel=\"noreferrer noopener\">how to increase your credit limit<\/a>.<\/p>\n\n\n\n<p><strong>Key takeaways:<\/strong><strong><\/strong><\/p>\n\n\n\n<ul>\n<li>Financial institutions largely set credit limits based on a borrower\u2019s credit history.<\/li>\n\n\n\n<li>Credit utilization is based on your credit limit and your available credit.<\/li>\n\n\n\n<li>Regularly practicing good credit habits can increase your limit<\/li>\n<\/ul>\n\n\n\n<p><strong>Table of contents:<\/strong><\/p>\n\n\n\n<ul>\n<li><a href=\"#credit-card-limits\">How are credit card limits determined?<\/a><\/li>\n\n\n\n<li><a href=\"#vs-available-credit\">Credit limit vs. available credit<\/a><\/li>\n\n\n\n<li><a href=\"#affect-credit-score\">How does your credit limit affect your credit score?<\/a><\/li>\n\n\n\n<li><a href=\"#what-happens\">What happens if you go over your credit limit?<\/a><\/li>\n\n\n\n<li><a href=\"#how-to-increase\">How to increase your credit limit<\/a><\/li>\n\n\n\n<li><a href=\"#work-on-your-credit\">Work on your credit with Lexington Law Firm<\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"credit-card-limits\"><a id=\"_n0vtdz5ebc3c\"><\/a>How are credit card limits determined?<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1074\" height=\"1066\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/01\/image-21.png\" alt=\"\" class=\"wp-image-20149\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/01\/image-21.png 1074w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/01\/image-21-768x762.png 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<p>Your credit limit is determined by the institution you borrow money from, whether they\u2019re a bank, a credit union or a government agency. Credit limits take several factors into account, including your income and credit score. People with higher credit scores and income are normally approved for higher credit limits because lenders view them as financially responsible people.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-annual-revenue\">Annual revenue<\/h3>\n\n\n\n<p>When a borrower applies for credit or asks for a credit limit increase, lenders look at annual revenue. From their perspective, a borrower with more income is more likely to make their payments on time\u2014and vice versa.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-credit-score\">Credit score<\/h3>\n\n\n\n<p>Credit scores help us qualify for auto loans, mortgage interest rates and credit cards\u2014plus the limits we\u2019ll receive when approved. If you have good credit, then you\u2019ll likely be eligible for high-limit credit cards from the get-go.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-debt-to-income-ratio\">Debt-to-income ratio<\/h3>\n\n\n\n<p>Lenders can use your <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/finance\/what-is-debt-to-income-ratio.html\" target=\"_blank\" rel=\"noreferrer noopener\">debt-to-inco<\/a><a href=\"https:\/\/www.lexingtonlaw.com\/blog\/finance\/what-is-debt-to-income-ratio.html\">me ratio<\/a> to set your credit limit by weighing your monthly debt payments against your total income. A low debt-to-income ratio can prompt lenders to offer higher credit limits since your spending habits show you regularly make responsible financial choices.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-employment-status\">Employment status<\/h3>\n\n\n\n<p>Your employment status can also affect your credit limit largely due to timing. If you apply for a credit card or ask for a limit increase while you\u2019re seeking a job, you\u2019ll most likely receive a lower limit than you would as a full-time employee.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"vs-available-credit\"><a id=\"_ydh1w6pmng2h\"><\/a>Credit limit vs. available credit<\/h2>\n\n\n\n<p>A person\u2019s credit limit and their <a href=\"https:\/\/www.lexingtonlaw.com\/credit\/available-credit\" target=\"_blank\" rel=\"noreferrer noopener\">available credit<\/a> are heavily tied together, which can cause people to confuse these two terms. To clarify, your available credit refers to the amount of money you can still borrow after calculating your debt. On the other hand, your credit limit refers to the total amount of money that your lender lets you borrow.<\/p>\n\n\n\n<p>For example, if you have a $10,000 credit limit and spend $5,000, you\u2019ll still have another $5,000 in available credit that you can access during this billing cycle. Your <a href=\"https:\/\/www.lexingtonlaw.com\/education\/credit-utilization\" target=\"_blank\" rel=\"noreferrer noopener\">credit utilization<\/a> ratio is calculated by weighing your available credit against your total credit limit. In this case, your credit utilization would be 50 percent.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1076\" height=\"743\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/01\/image-20.png\" alt=\"\" class=\"wp-image-20148\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/01\/image-20.png 1076w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/01\/image-20-768x530.png 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"affect-credit-score\"><a id=\"_7nejxx7crdd\"><\/a>How does your credit limit affect your credit score?<\/h2>\n\n\n\n<p>Whenever you ask a lender to increase your credit limit, they\u2019ll perform a <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/negative-items\/what-is-a-hard-inquiry.html\" target=\"_blank\" rel=\"noreferrer noopener\">hard inquiry<\/a> to review your credit history and help inform their decision. Inquiries briefly cause your score to dip, which is why conventional wisdom recommends not attempting to increase your credit limit right before applying for something vital\u2014like a home or a new car.<\/p>\n\n\n\n<p>Credit limits can also affect your score if you consistently have a high utilization ratio. Credit cards with high limits typically help borrowers maintain lower utilization ratios, which is beneficial for credit health.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-happens\">What happens if you go over your credit limit?<\/h2>\n\n\n\n<p>Exceeding your credit limit can have negative consequences, especially if you do so repeatedly. Some of the drawbacks you might encounter include:<\/p>\n\n\n\n<ul>\n<li><strong>Account review: <\/strong>A lender may review your longtime credit habits, which could potentially lead to a <a href=\"https:\/\/www.lexingtonlaw.com\/education\/how-to-avoid-limit-reduction\" target=\"_blank\" rel=\"noreferrer noopener\">credit limit reduction<\/a>.<\/li>\n\n\n\n<li><strong>Credit score changes: <\/strong>Credit utilization makes up 30 percent of your <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/fico-credit-score.html\" target=\"_blank\" rel=\"noreferrer noopener\">FICO\u00ae credit score<\/a>. Repeatedly going over your credit limit could significantly hurt your credit.<\/li>\n\n\n\n<li><strong>Increased interest rates: <\/strong>Depending on your lender\u2019s policies, they may issue a <a href=\"https:\/\/www.lexingtonlaw.com\/education\/what-is-apr\" target=\"_blank\" rel=\"noreferrer noopener\">penalty APR<\/a> on the offending account, which can be much higher than your standard rate.<\/li>\n\n\n\n<li><strong>Overdraft fees:<\/strong> Most lenders will charge a $35 overdraft (or over-the-limit fee) after a specified time period if you don\u2019t pay off your balance.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-increase\"><a id=\"_von9pvawkhxe\"><\/a>How to increase your credit limit<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1076\" height=\"685\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/01\/image-19.png\" alt=\"\" class=\"wp-image-20146\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/01\/image-19.png 1076w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/01\/image-19-768x489.png 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<p>If you consistently make your monthly payments on time and keep your utilization low, the credit card issuer may approve your request to increase your limit. But remember to allow six to 12 months before asking. Your issuer probably won\u2019t raise your limit after just one or two months of opening the account or if you\u2019ve been making late payments.<\/p>\n\n\n\n<p>Some credit card issuers will actively increase your limit after they review your account history. Sometimes, they\u2019ll ask you to update your income. If you\u2019ve earned a raise recently, you can provide that information, and the lender may increase your limit. When an issuer reviews your account like this, it does not cause a hard inquiry because you didn\u2019t ask for them to review the account.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"work-on-your-credit\"><a id=\"_t5tqldn1l0us\"><\/a>Work on your credit with Lexington Law Firm<\/h2>\n\n\n\n<p>Credit cards are fantastic resources that can positively impact your life when used responsibly. Even if you get approved for a high credit limit, it\u2019s best to monitor your spending and borrowing habits. Lexington Law Firm offers <a href=\"https:\/\/www.lexingtonlaw.com\/our-services\" target=\"_blank\" rel=\"noreferrer noopener\">great services<\/a> like credit education tools and credit report analysis that may help you with your credit.<\/p>\n\n\n\n<p><a href=\"https:\/\/lexingtonlaw.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><em>Note:<\/em><\/strong><\/a><em> Articles have only been reviewed by the indicated attorney, not written by them. The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>A credit limit gauges the amount of money a person can borrow from a financial institution. Many factors can affect your credit limit positively and negatively.<\/p>\n","protected":false},"author":63,"featured_media":20144,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.1 (Yoast SEO v18.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Is a Credit Limit and Which Factors Affect It? | Lexington Law<\/title>\n<meta name=\"description\" content=\"A credit limit gauges the amount of money a person can borrow from a financial institution. 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