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Apply for Big Balance Credit Cards Online

  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
  • See if you Pre-Qualify without harming your credit score.
  • This fully unsecured credit card with no deposit requirement can be helpful in growing or building credit. Your account activity will be reported monthly to all three major credit bureaus.
  • All the features you want in a credit card are included. Get 1% cash back on eligible purchases, take advantage of free online credit score tracking, and enjoy credit line increase opportunities. Terms apply.
  • Get the security and convenience of a full-feature, unsecured VISA® Credit Card - accepted at millions of merchant and ATM locations nationwide and online
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won´t
  • No Annual Fee. See WebBank/Fingerhut Credit Account Terms.
  • No Over Limit Fee. See WebBank/Fingerhut Credit Account Terms.
  • Instant Response (Delays may occur depending on application data provided).
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Chosen cards:
  Bank Name
Card Name
Intro APR Purch.
(Intro Period)
Intro APR Bal.Tr.
(Intro Period)
APR %Annual Fee Apply
0% (21 months)0% (21 months)See Site$0 Apply

See details
n/an/a0.0%$49 Apply

See details
N/AN/A23.9%$35 - $99* Apply

See details
N/AN/A16.99% - 24.99% Variable$0 - $99 Apply

See details
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choice and compare them
Chosen cards:

Your Credit Card Limit

A high credit limit is an important thing which shows your good credit status and financial state on the whole. Everyone actually can be approved for a credit card with higher credit line. What factors determine the limit?

A credit line amount depends on the applicants' degree of credit risk. A credit risk degree is determined by a number of factors. They are income level, permanent job, credit history and others. The degree of risk affects the interest rates you are going to get as well. So, the determinant factor is your income or more exactly, whether you can prove your solvency or not. You may find credit offers that need just a stated income for the application process. It means they approve you on the basis of your declared income, without a documentary proof.

Basically, your chances to be approved for a high limit credit card increase if you already have an account with that credit card company.

Anyway, the good thing to do is to shop around and have a good look at credit card offers from different companies. The features to compare are the interest rates, the credit limits, bonuses, penalties, and other charges. As a result, you'll find a credit card with weighed pros and cons.

Credit Line for Excellent Credit

Let's take you are lucky to have an excellent credit score. You've got approved for an excellent credit card and you will get a high credit limit, suppose $20000. You are given a special trust, so all those incentives and bonuses like zero or low interest rate, no annual fee and rewards of all kinds are a part of the best credit card offers.

Obviously, when seeking for the right credit card with high limit you are likely to meet just 'the best of the best' card offers. The situation on the highly competitive credit market can be a good advantage for you. Just a line to say that you have been offered a higher credit limit can make a credit card company offer you better terms. Also, in order to get a high limit credit card you may look for a plastic with a bit higher rates. It's up to you to determine the priorities of the credit card features.

It should be mentioned that you don't have to use all of your available credit. Moreover, it even works bad for your credit score. It looks like you are in risk to exceed your credit limit. Sometimes some credit companies allow cardholders to go over their credit limit, but it is complicated and includes a number of very strict conditions.

The limit of exceeding may be restricted to a certain period or amount. And there may also be penalties. So, it's better to have a high limit to maintain and improve your credit score. Please note that the 'high limit' doesn't stand for the 'unlimited'.

No Pre-Set Credit Limit

Credit cards with no pre-set credit limit are the most favorable card offers for people with good credit rating. The credit card limit is set by a bank depending on the credit history, the consumer behavior, the payment history and other factors. After the limit is set you are totally responsible for your credit behavior. The essential thing to do is to make the monthly settlement of your credit card bill in full.

The advantages of having no pre-set limit on your credit card are really evident. You are not restricted to a certain spending amount, your borrowing capacity is not reduced. At the same time, your lender also profits from your higher credit limits. Just keep in mind that not pre-set spending limit does not mean unlimited credit line.

The risky thing is that credit reporting agencies use the highest balance on your card instead of the limit to determine the credit utilization (this is the ratio between the credit limit and the balance on the card). It's better for your credit score to use up to 30% of the credit line. How to escape the undesirable no pre-set limit effects?

Try to make a solid charge on the card in order to maintain a suitable balance. And the common tip concerning any financial activity � be moderate and calculating. Determine your individual credit line based on the principal of the absolute personal responsibility.

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What is a no preset spending limit feature on charge cards? No credit limit at all?


Charge cards do offer no preset spending limit, which does not mean unlimited spending for you. With this type of card you make purchases and pay in full at the end of the billing cycle. You do not pay interest as long as you pay off your entire balance each month. Banks make provisions for large or travel related purchases that you can pay off over time, but other than that your balance is due in full every month. Talking about no preset spending limit - your credit line adjusts as you use your card. Your credit limit is determined by the usual factors that determine spending limits on other cards. It includes your payment history, your credit card record, other financial resources and some additional factors.


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Pick a card that suits your financial capacity

Limited Credit

High limit on a credit card is an essential point when shopping around for a card offer. Obviously, the high limit cannot be granted to a limited credit person. It is better to find a credit card with a credit line corresponding to your credit capacities. Being a careful cardholder is vitally important for achieving a better credit rating. So a moderate credit limit works as an effective tool for credit improvement. You are not in risk to spend more than you can afford. Credit offers for fair credit are designed for those who need support on their way to a good credit rating. The credit line of $3000 is just fine to use a credit card for your score improvement. It is high enough to make purchases and to have emergency funds. At the same time, not so high limit on your card makes you disciplined and proves your credit status.

Alongside with a good credit limit you get a couple of bonuses like 0% APR for an introductory period and no annual fee. You should realize that paying your credit card bill is a good way to succeed as a cardholder.

Play the game clean to raise your credit line

Credit Limit Increase

If your credit score is far from exemplary, there can be some limit restriction. Credit card companies provide special bad credit card programs to help build a stable credit history. You are approved for the initial credit line of about $300. But your lenders review your credit limit monthly and may increase your credit amount. Thus, your chances to get a better credit status are increasing every month.

A bad credit applicant will be charged some upfront fees figuring on the further limit increase. At the same time, a low APR on purchases will be right on the button. Comparing bad credit card offers thoroughly is a guarantee of your right choice. The banks that offer credit card deals for bad credit consumers give the opportunity to keep your credit rating growth under a personal control. You've got a 24-hour access by phone and the opportunity to get customer service online. Your payment performance is regularly reported to 4 credit reporting bureaus. So if you use your credit card sensibly, your credit history will grow stronger!

Latest High Limit Card NEWS

Dont' want to miss the latest news for bad credit? Here is our hot news for you!

Promotional Financing Spurs Buying Decisions, Says Survey

September 10, 2015

When making major purchases—spending $500 or more—people are swayed by promotional financing offers, such as credit cards that carry a 0% APR for the first year or longer. A consumer study from Synchrony Financial showed that 75% of cardholders look for promotio[...]

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