The Dollar in the Future
Want to find out how to get a credit card with a high limit? Here are some tips.
The credit card is certainly one of the best human inventions, isn't it? With it, it's much easier to buy products with a higher added value, pay for your dream trip in installments, or make a good purchase at the supermarket.
But sometimes, getting a credit card with a high limit can be a bit difficult, because there is some bureaucracy involved in the process of generating a limit. However, some financial institutions require more, others less.
To help you with this mission, we’ll teach you how to get a credit card with a high limit. Check it out!
When talking about how to get credit card With a high limit, every financial institution has a bureaucratic analysis process to release the credit limit. One of these analyses is the analysis of each individual's score. Therefore, it is very important to have a good score for you who want to know how to get a credit card with a high limit.
But before you know how to get a good score, you need to know what a score actually is. A credit score is a result of your relationship and payment habits with the credit market.
Therefore, it is through your score that a financial institution knows whether or not you are a good payer. Thus, your score is a decisive factor for those who want to know how to get a credit card with a high limit. This credit score ranges from 0 to 1,000 and represents your ability to pay within the next 12 months.
Now that you know how important your score is and that it is a decisive factor for anyone looking to get a credit card with a high limit, it's time to find out how to increase your credit score.
Of course, this is the main way to increase your credit score. If you don't have a clean credit score, you'll need to clean it up. So, get your finances in order, pay your bills on time, and renegotiate your debts.
If you don't know the status of your score, or if your name is clean, go to the official Serasa website and check your CPF. However, pay close attention to whether it is the platform's official website, because many websites use scams to gain access to your CPF.
Even if you don't have a bad credit rating, you need to pay your bills on time. This is because this is another factor that financial institutions look at, so it is very important that you pay your bills on time if you want to know how to get a credit card with high limit.
One of the problems for those who are looking for how to get a credit card with a high limit is looking for instant solutions to increase their score. Therefore, don't believe in miracles.
This is because the credit score analysis is done after a certain period, since Serasa analyzes your payment routine. Therefore, any financial institution that promises to increase your score in a short period of time is bluffing. So, be careful!
With our tips on how to increase your score, you will be able to get a credit card with a high limit. However, you need to be patient.
Generally, financial institutions release a low amount of credit, so if you want to know how to get a credit card with a high limit, you need to spend your credit card limit.
This way, the bank understands that the limit is not enough for you. However, it is worth noting that in addition to using up your credit card limit, you need to pay your bill on time. This is because there is no point in using up all of your credit card's small limit and not paying.
This way, you tell the bank that you have no commitment or financial means to pay your bill, no matter how small it is. So, it is almost impossible to have a credit card with a high limit without paying your bills on time.
Another essential tip for those looking for a high-limit credit card is to avoid paying your card bill in installments. This is because the bank understands, once again, that you are unable to pay the full amount of your bill. Therefore, the chances of you having a high-limit credit card are almost zero.
Now that you know how to get a credit card with a high limit, let's take a look at the best credit cards that offer a higher limit. However, it's worth noting that these financial institutions analyze all the factors we've seen above.
The partnership between the airline, Itaú bank and Visa created the credit card LATAM Pass Gold. In addition to the initial limit of R$ 2,500, which can be increased with use, there is also a discount on tickets for those who want to go abroad.
The annual fee for the card can be waived by spending R$ 2,000.00 per invoice, or 50% of pension discount for spending R$ 1,000.00 per invoice. Otherwise, the price is R$ 36.50 per month. In addition, although there is a miles program, points are accumulated only at LATAM.
The Iti Visa Platinum Card is the first credit card with the highest limit on the list. According to Banco Itaú, this limit can reach R$20,000. Furthermore, since the card issuer itself discloses the maximum amount, this means that the maximum limit can be reached for different configurations.
In addition, the product does not charge an annual fee and has a points system to accumulate and redeem discounts. For those interested in investing, the current account generates 100% of the CDI.