Welcome to CREDIT CARD SMARTS!

Let's face it, in today's world your name is only as good as your credit. Maintaining your credit should be one of the most important things in your life. By browsing "Credit Card Smarts" you will learn beneficial credit tips that will help you build your credit score. Enjoy all of the information that you can obtain from this site.

If you have never had credit before and are finally ready to start building a credit history, this site can help you.

If you have had credit in the past and basically "screwed it up," you may need to re-establish your credit. Let "Credit Card Smarts" help you.

If you have good or excellent credit, we can still help you by sharing the most valuable credit card tips that you can find online. No matter what your situation is, you will greatly benefit from this site.

7 Easy Ways to Increase your Credit Limit

Many credit card holders aspire for a higher credit card limit. The obvious reason for this is that a higher credit card limit enables the purchase of otherwise unaffordable merchandise.

First and foremost, credit card holders need to remember that to get a higher credit card limit, they must abide by the terms and conditions of the credit card company or bank.

Below are 7 other ways to get a higher credit card limit.

1. The most important thing to do for getting a higher credit card limit is to prove your credit worthiness. This is the first thing that banks and companies look for when giving a higher credit limit.


2. Attract positive attention from the credit card company or bank by paying finance charges once in a while. Obviously, this is not advisable on a repeating basis and should only be used as a last resort to increase your chances of getting a higher credit limit.
Proving to credit card companies and banks that you are good "borrower" can be a convincing way to get a higher credit limit. But be careful because this strategy also means that you will be paying finance charges which can accumulate in a hurry. And always remember, a higher credit card limit means greater purchasing power, but it also increases the risk of your having to pay greater interest charges and other processing and late fees.

3. Always spend within your credit card limit because doing so means that you are capable of controlling your expenses.

4. Use your credit cards regularly. Don't keep your cards for emergency use only. If you use your credit cards sparingly, banks and credit cards will start to understand your spending and pay-back behavior. Under these circumstances most banks and credit card companies will be reluctant to give you a higher credit card limit.

5. Never make minimum payments. Instead, try to pay for the entire outstanding amount. This will usually give you a better chance of getting a higher credit card limit.

6. Avoid late payments as much as possible. Not only will your payment increase, but you may also have to pay an additional fine for not clearing bills on time. This will also dim your chances of getting a higher credit card limit.

7. The best and simplest strategy for getting a higher credit care limit is to use your credit card wisely. Always keep in mind that credit card companies keep a record of your transactions and payment patterns, so always pay on time.

The bottom line is that your performance in the records of banks and credit card companies will determine whether you'll get a higher credit card limit or not.



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