How is My Credit Card Limit Determined

Underwriting is a complex process used by credit card companies to determine what kind of credit limit they want to give you. Using a bunch of mathematical formulas, testing, and analysis, they figure out what you deserve, but no one is going to tell you how the process works.
If you’re given a higher limit it means the company trusts you more, and that they expect you to repay the debts. But let’s take a little closer look at some of the important factors.
What is Your Credit Limit?


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