Credit limit of about 150k on a salary of 100k, USA. Currently carrying a balance of ~6k on an interest free card for another 12 months, but otherwise zero balance. Nothing wrong with having a high limit as long as the amount actually owed is managed. Answer from c0horst on reddit.com
Experian
experian.com › home › credit report & scores › report advice › credit limits › what should my credit limit be based on my income?
What Should My Credit Limit Be Based on Income? - Experian
June 25, 2024 - Income is just one of many factors lenders consider when setting credit limits, and there is no simple formula for calculating credit limits based on income alone.
Lendio
lendio.com › business calculators › credit card limit calculator
Credit Card Limit Calculator | Lendio
Term Loans
Information such as your personal ... history, income, credit utilization rate, and more may play a role in determining the maximum amount you can borrow on a business credit card. It’s impossible to know in advance the exact credit limit a credit card company may grant you. But you can use the business credit card limit calculator below to get ... A term loan can be a great opportunity for business owners. It’s a good way to get a large sum of funding that can be repaid over many years. The interest rates tend to be more favorable than those for short-term loans. They also usually come with a
What is your total credit limit relative to your income and area?
Credit limit of about 150k on a salary of 100k, USA. Currently carrying a balance of ~6k on an interest free card for another 12 months, but otherwise zero balance. Nothing wrong with having a high limit as long as the amount actually owed is managed. More on reddit.com
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October 24, 2023What's your salary income to credit card limit ratio?
Card limits many multiples of my salary. It’s not really about your income, once you get it: it’s more about your payment history and relationship with that lender. More on reddit.com
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April 21, 2020Credit Card Limit calculator
Hi OP, it will be a difficult exercise to create a model predicting approval and CL assignment since there are a lot of factors for it and it varies across different banks. You will also need a lot of training data for it. And possibly when you are done developing the model with an acceptable accuracy, the actual rules/formula have actually changed again. In our bank alone, we change the rules periodically depending on the performance of portfolio and also considering the economic situation. Nominally, CL computation starts with calculating the maximum credit of the customer. Some banks compute it as gross monthly income times XX, where XX is a double digit integer. Then they give or take a few thousand up to hundred thousand depending on the profile of the customer. That aggregate figure is divided by 12 for the CL. More on reddit.com
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March 12, 2022Credit card limit calculation
Your total DBR can’t be more than 50% of your income. For loans, calculation is based on monthly EMI More on reddit.com
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April 18, 2023How can you increase your credit card limit?
A credit card issuer will set your credit limit when it first approves your financing application. But after some time passes, you may be able to request a credit limit increase. Every card issuer sets its own guidelines regarding how soon customers may be eligible for a higher credit limit. In most cases, you should wait until your account has been open for at least six months to make your first request. There is no guarantee that a credit card company will approve you for a higher credit limit. But if any of the following statements are true, you might have a better chance of success. You ha
lendio.com
lendio.com › business calculators › credit card limit calculator
Credit Card Limit Calculator | Lendio
What is a credit limit?
A credit limit is the maximum amount of money a lender will allow you to borrow at a time. With business credit cards (and typically with business lines of credit as well), you can use the account, repay all or some of the money you borrowed, then reuse the same credit line again—up to the credit limit the lender has put in place.
lendio.com
lendio.com › business calculators › credit card limit calculator
Credit Card Limit Calculator | Lendio
What should my business credit limit be based on my salary?
Your income is an important factor that can help determine the credit limit a card issuer grants you when you open a small business credit card account. Yet it’s not the only detail that matters.In addition to your salary, a credit card company may review other information when setting your credit limit. Your credit score and credit history can be very influential in this process. The amount of debt you currently owe (and how that debt relates to your income) can also have a meaningful impact on your business credit card credit limit.
lendio.com
lendio.com › business calculators › credit card limit calculator
Credit Card Limit Calculator | Lendio
Wells Fargo
wellsfargo.com › goals-credit › debt-to-income-calculator
Debt-to-Income (DTI) Ratio Calculator
You do not need to share alimony, ... when calculating your result. If you receive income that is nontaxable, it may be upwardly adjusted to account for the nontaxable status. ... Your DTI ratio compares how much you owe with how much you earn in a given month. It typically includes monthly debt payments such as rent, mortgage, credit cards, car payments, ...
Hfcu
hfcu.org › calculators › credit-card-calculator.html
Credit Card Calculator - Hanscom Federal Credit Union
The Credit Card Optimizer helps you determine the best distribution of your credit card debt. By entering your credit card balances, rates and credit limits this calculator determines which balance transfers will produce the greatest savings.
Chase
chase.com › education center › credit cards › credit card basics
How Your Income Affects Your Credit Limit | Chase
Discover how your income may affect your credit limit. Learn more about credit limits with Chase.
Quicken Loans
quickenloans.com › home › learning center › personal loans › annual income for credit card applications: what to know
Annual Income For Credit Card Applications: What To Know | Quicken Loans
November 13, 2025 - Sorry if you’re looking for a magic number, but there’s no mandated total annual income for credit card approval. Credit card issuers look at a range of information, which we’ll review further below. One important factor — which you can calculate yourself — is your debt-to-income ratio, also known as your DTI.
Bankrate
bankrate.com › credit cards › tools › credit utilization calculator
Credit Utilization Calculator | Bankrate
To figure out your overall utilization ratio, add up all of your revolving credit account balances and divide the total by the sum of your credit limits. Credit Card Utilization Ratio Formula: (Credit Card Balance) ÷ (Card’s Credit Limit)
Reddit
reddit.com › r/creditcards › what is your total credit limit relative to your income and area?
r/CreditCards on Reddit: What is your total credit limit relative to your income and area?
October 24, 2023 -
Hi, I understand that credit limit depends heavily on country and even city, for example US is expected to have the highest limit. But I am curious what is your limit relative to the average income of your area?
Me first, please follow. I have credit limit of 25k US dollar across 3 cards at a city with $1k average income, my take home pay is about $30k, $1k monthly expense. Wonder if my credit limit is too high (but I think higher is better as long as I can maintain my spending and card security)
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Credit limit of about 150k on a salary of 100k, USA. Currently carrying a balance of ~6k on an interest free card for another 12 months, but otherwise zero balance. Nothing wrong with having a high limit as long as the amount actually owed is managed.
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$188k credit limit ($120k across 3 cards (10 total)) $153k income $71k median income $3.5k/mo average expense to survive San Jose, CA
Calculator.net
calculator.net › home › financial › credit card calculator
Credit Card Calculator
Free credit card calculator to find the time it will take to pay off a balance, or the amount necessary to pay it off within a certain time frame.
Finder
finder.com › www.finder.com › credit card finder › how to calculate your credit card limit
How to calculate your credit card limit | Finder.com
Because of that, there aren’t any specific calculator tools you can use to determine your limit and you should take any information you get from online credit limit calculators with a grain of salt. Instead, learn how some factors determine your credit limit. This can help you make a more accurate estimate on your own. Credit limits depend on credit history, income and your card provider’s policies.
Published November 2, 2022
Hometap
anytimeestimate.com › home › credit utilization calculator: what's your utilization ratio?
Credit Utilization Calculator: Get Your Credit Usage Ratio
October 21, 2025 - Use our credit utilization calculator to determine your credit utilization ratio. Fill in the current balance and credit limit on each of your credit cards.
U.S. Bank
usbank.com › home-loans › mortgage › mortgage-calculators › mortgage-affordability-calculator.html
Affordability calculator | How much house can I afford? | U.S. Bank
October 7, 2025 - You may update any of the calculator fields for a more specific result. ... Enter your annual income. Enter your current monthly debt. Enter your down payment. Enter a state. ... The following fields are required. ... Enter your annual income, before taxes. This is also known as your gross income. You can receive this as money, goods, property or services. Enter your annual income. ... Your monthly debt can include credit card ...
Calculator Academy
calculator.academy › home › credit card limit calculator
Credit Card Limit Calculator - Calculator Academy
September 11, 2025 - Enter your income, existing debt, credit score, and credit history into the calculator to determine a recommended credit card limit. This calculator can also…
البنك السعودي الفرنسي
bsf.sa › english › personal › cards › credit-card-limit-calculator
Credit Card Limit Calculator - Banque Saudi fransi
Credit Card Application · Easy Instalments Plan Offers · Discount & Offers · Discontinued cards that are only available for current cardholders · Short Duration · International Transaction Calculator · Rewards Calculator · Merchant Agreement Form · EZPay · Home Finance Products ·
BMO U.S.
bmo.com › loans and lines of credit › loans & lines of credit calculators › line of credit calculator
Line of Credit Calculator - BMO
Find out if you qualify for a line of credit with our calculator. Determine borrowing capacity based on income, credit score, and other factors.
NerdWallet
nerdwallet.com › credit-cards › learn › how-credit-card-limits-determined
How Do Credit Card Issuers Determine Credit Limits? - NerdWallet
November 8, 2025 - If you have monthly income of, say, $5,000 and monthly obligations of $3,000, then your debt-to-income ratio is 60%. All other things being equal, the higher your income, the higher the credit limit you're likely to be approved for.
Airtel
airtel.in › home
How Credit Limits Are Determined by Card Issuers
August 7, 2025 - Priya, who changed three jobs in two years despite the same income, was offered only ₹1.2 lakhs. Your credit score is a numerical representation of your creditworthiness. The factors affecting credit card limits significantly include: ... How credit limits are determined also depends on your current debt obligations. Lenders calculate your debt-to-income (DTI) ratio to ensure you’re not overextended.
Zillow
zillow.com › mortgage-calculator › debt-to-income-calculator
Debt-to-Income Ratio Calculator - What Is My DTI? | Zillow
This includes your base monthly income and any additional commissions, bonuses, tips and investment income that you earn each month. To calculate your gross monthly income, take your total annual income and divide it by 12.
Investopedia
investopedia.com › terms › c › credit_limit.asp
Understanding Credit Limits: Calculation, Impact, and How to Increase Yours
September 27, 2025 - Discover how credit limits are determined, their effect on your financial standing, and strategies to increase them for better financial management.
Bestcreditoffers
bestcreditoffers.com › credit-limit-estimator.php
Credit Limit Estimator: Calculate Your Possible Limit
Estimate your Credit Limit for the future credit card you want to apply for. Specify your parameters and credit habits and you'll get your estimated limit.