What are the restrictions with visa credit cards?

Answered on October 14, 2010
Updated on October 14, 2010
The content is accurate at the time of publication and is subject to change.
James Williams James Williams
When you are applying for a credit card, the chances that you might end up with a Visa credit card are quite high. This is not something that you need to be worried about, as Visa cards are normally considered to be the industry leaders and essentially one of the better cards that you can get for your money. However, you might want to know about some of the eligibility requirements that you ought to satisfy in order to get this card and enjoy. Be aware of these things so that you don`t end up regretting about not getting approved for your credit card. Firstly, more than the restriction with the Visa credit cards, the restriction will be imposed by the banks providing this card. Hence, don`t assume that if you don`t get approved for a certain kind of Visa card, you will never get approved for a Visa card provided by some other financial institution. While the chances of being rejected are definitely high, it doesn`t necessarily mean that you will not get approved at all. Hence, this is something that you ought to keep in mind and probably remember, in case you are confused about whether or not application for a second card is worth it after being rejected once. Main restrictions, if any, will have to do with your credit score. For most of the high end platinum Visa credit cards, it is important that you have a top tier credit score and not something that is going to end up looking bad in your credit account. It is imperative that you be able to show creditworthiness if you want the stellar APR rates on cards that are usually the envy of others. In this way, you can be confident that your card will in fact be the kind that will help you in the best way possible financially. Additionally, it also follows that you would want to get a decent credit limit with your credit card. When you opt in for Visa credit cards, the credit limit should not be a value that is not suitable for your profile. Hence, even if you have requested for a higher credit limit, you might probably not get it, mainly because you might have to work hard in order to establish that you can handle this kind of a credit limit. The only way that you can do this is by maintaining a high credit score.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

User Comments about This Question


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