What factors affect the amount of your credit card limit?

Credit history and credit score

The better your payment history, the higher your chances of getting a larger credit limit.

Debt-to-income ratio

Banks and card issuers will check how much debt you have compared to your monthly income. This affects how your credit limit is determined.

Number of credit cards owned

Having too many credit cards may reduce the limit offered by Honest. We’ll adjust it wisely based on your total credit exposure.