If you have a good credit history, you can avail of several benefits like unsecured credit cards, besides higher limits on these cards. Credit limit is nothing but the maximum amount, which you can use with the help of your card. If you want a higher limit on your card, you at least need to have a good credit score in the range of 700 to 759 so that you get it, without having to pay a higher rate of interest. Any score in the range of 660 and 699 is also considered good, but you may have to pay a higher rate of interest. The process of getting such cards is not easy, and you need to go through a lot of paperwork, before you get one. Availing Them for Excellent Credit If your credit history is excellent, i.e. it's more than 760, you can get a high limit card easily. The best part is that the rate of interest would also be on the lower side, but you should keep in mind that you use it judiciously so that you maintain such excellent scores. On the other hand, if your score comes under good range, you may not find it that easy to get approved for such a card. Once you apply for it, the credit card processing procedure involves checking your credit score. If they find that it is above 660 but below 700, then you may need to pay a higher rate of interest. Usually, in such cards, the credit limit can be anywhere around USD 10,000, but that would depend on your current level of income, besides your score. You can also opt to apply for multiple cards, as many times you may not get the limit, which you may want with a single one. With multiple cards, the limits which you get in each card may add up to the total amount you needed. Moreover, if you apply for multiple ones, the whole process of getting the cards in hand may be expedited. However, while using such high limits on your cards, you need to ensure that you use not more than 30% of the limit available. Many times, people with a good score have used more than the specified amount, and as such, they have fallen into the bad books of credit rating agencies. Availing Them for Good Credit Be it high limit credit cards for fair, good, or excellent score range, each has its own advantages and disadvantages. The main advantage of these cards is that the credit utilization ratio can be on a higher side. This ratio is said to be inversely proportional to the credit score. However, on the downside, if you use too much of your available credit, then there are chances that your score may fall down, which in turn, may make it difficult for you to get credit on favorable terms. Even if you pay your bills on time, the credit card company would feel that you are a high-risk customer, especially if you exceed certain limit (30% to be precise). The effects of a high credit limit can be a continuous cycle, as there is a relationship between credit limits, scores, and credit utilization ratios. High limit gives a boost to these scores, and with a good score, your limit is increased. There are times when even if you have a good score, your score may show to be below the good range. That's because the credit card companies may not have reported your payments on time. If you find such a case, then you need to get in touch with the credit agencies, and get all discrepancies sorted out; or else your score would continue to reflect a not so good score. It's not that if you have a bad credit, you won't get high limit credit cards for it, but you will need to pay a higher rate of interest, besides the cards may be secured. So, there are several advantages and disadvantages of having such cards. While you apply for one, make sure that you get quotes from different credit card companies so that you get the best deal. Moreover, go through the terms and conditions so that you know the rate of interest, which you will need to pay.