How to get a $10,000 credit card · Credit repair course

How to get a $10,000 credit card

💳 Ever wonder what banks really look for before giving you a $10,000 credit card limit?

Here’s what an average, solid credit profile looks like from an underwriter’s point of view

✅ Credit Score: You’ll want at least a 700+ FICO score. Some banks might approve around 680, but 700+ makes it easier to get that higher limit.

✅ Credit Age:

Oldest account: 5+ years
Average age: 3–4 years or more This shows lenders you’ve been handling credit for a while — not just recently opened everything.

✅ DTI (Debt-to-Income):

Keep your DTI under 30%Basically, they want to see you can afford your debt comfortably.

✅ Account Mix: A healthy mix looks like:

3–5 credit cards
1–2 loans (auto, student, or personal)
At least one major bank card (Chase, Amex, Capital One, etc.)

✅ Utilization (How Much You Use):Keep your usage under 9% or below overall. If you have $10,000 total credit, stay under $1,000 used for the best results.

✅ Payment History: