Many credit card holders want a higher credit card limit for various reasons. Credit card holders need to remember that to get a higher credit card limit, they must follow the terms and conditions of the credit card company or bank that issued the credit card.

Here are 5 ways for you to get a higher credit card limit:

1. The most important thing to do to get a higher credit card limit is to prove your credit worthiness. This is the first thing that banks look for when increasing your credit limit. Always give importance to the prompt payment of your credit card bill.

2. Attract positive attention from the credit card company or bank by paying a finance charge once a year. Obviously, this is not advisable on a repeated basis. However, this will increase your chances of getting a higher credit limit by giving you a positive credit history of meeting your financial obligations. The bank will see you as a better credit risk.

3. Use your credit cards regularly to help increase your credit limit. Banks regularly increase the spending limits for customers with a good record of paying on time and those who use the service frequently. Don't reserve your cards for emergency use only. Most banks and credit card companies will be reluctant to give you a higher credit card limit if you do not use them on a regular basis.

4. Always spend within your credit card limit because this means that you are capable of controlling your expenses.

5. Try to always pay the full amount due on your credit card bill if possible and do not make any late payments. This helps your chances of getting a credit limit increase, and you will avoid late fees and finance charges which can become expensive.

Call your credit card company once a year and request a credit limit increase. Don't assume that they will automatically increase your credit limit. Many times they will increase your credit limit if you follow the rules above and ask them to increase your credit limit personally.

The bottom line is that your performance in the records of banks and credit card companies will determine whether you will get a higher credit card limit. By using your credit responsibly, you can enjoy a better lifestyle and meet your financial obligations with more certainty. Handle your credit with care and lenders will always be ready to help you along the way.