- 1). Order a copy of your credit report and score through Experian, Equifax or TransUnion. If your score is between 749 and 799, you have a delinquency rate of 2 percent, which means you are a credit worthy applicant with a high potential for approval.
- 2). Increase credit scores below 749 to improve your potential for approval. To qualify for a high credit limit card your credit history must have a strong payment history and a low delinquency rate. For example, credit scores between 300 and 499 have a delinquency rate of 87 percent, which is not viewed favorably. Take one month to a year -- depending on your original credit score -- to repair your credit and apply then.
- 3). Research high credit limit offers, which are available through credit card companies, local banks and online websites. As of October 2010 "gold" and "platinum" credit cards, which -- in most cases -- can carry a $5,000 to $100,000 credit limit, respectively, offer the highest credit limits for consumers. Major credit card brands such as MasterCard, Visa and Discover offer gold and platinum credit cards.
- 4). Request a paper application by mail or submit an electronic application. Check your application for completion. Include your Social Security number, employment history, renting status, annual income and date of birth. Wait to receive notification of approval or denial. Standard processing times vary, but expect to wait up to 30 days.
- 5). Activate your high credit limit card by calling the toll free number printed on the back. Password-protect your card with a unique password or pin number.
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