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How to get a $100,000 credit card limit ?

U.S. issuers generally consider your income/assets, existing obligations, credit history, credit score, and other risk factors when setting or increasing a limit. Federal regulations specifically require issuers to consider your ability to make the required payments before opening an account or increasing its limit.

A realistic path to $100,000

1. Establish excellent U.S. credit

• Long, clean credit history
• Consistent on-time payments
• Low balances relative to your available credit
• Strong credit score

A high score alone doesn't guarantee a large limit.

2. Have substantial verifiable income/assets

There isn't an official "$X income = $100,000 limit" formula. The issuer evaluates your ability to repay, including income/assets and existing obligations.

3. Start smaller and build

For example:

$5k → $10k → $25k → $50k → $100k

Use the card responsibly, pay balances on time, and periodically request credit-line increases. Issuers can also increase limits themselves.

4. Consider multiple cards

You don't necessarily need one card with a $100,000 limit. For example:

• Card A: $30,000
• Card B: $25,000
• Card C: $20,000
• Card D: $25,000

= $100,000 total available credit

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