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Credit Card Limits This is the maximum debt allowed on a credit card or other revolving credit accounts. Your maximum credit limit and your available credit limit (the total minus current charges) are stated on each credit card billing statement. A revolving credit account is one in which you have the choice of paying the entire amount due during a monthly billing cycle or spreading repayment over several months by making at least the required minimum payment. You can continue to make charges on the account as long as you pay, at least, the minimum amount due each month and do not exceed your credit limit. Think of a revolving credit account as a continuous debt treadmill. If you never pay the bill in full you can never stop to rest; you have to keep running. If your maximum credit limit is too high, ask the card issuer to lower it to a level that makes you more comfortable. If the issuer increases the limit without asking you, tell them to lower it. High credit lines could keep you from getting a loan. Although you may have no intention of charging up to the maximum credit limit, potential lenders might see that as a negative when evaluating loan applications. The lenders may view the credit as available and determine that you might resort to using the credit. |
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