Q&A Video: How Do Credit Card Issuers Adjust Their Risk Level?

John Ulzheimer

John Ulzheimer | Q&A Videos

Jul 31, 2015

Credit card issuers give out higher credit limits to less-risky borrowers with a history of responsible credit use, and lower credit limits to riskier borrowers. But how exactly do issuers determine how high of a credit limit to provide for a particular cardholder? When increasing the credit line of one person, do they need to take part of someone else’s credit limit away, like a zero-sum game situation?

Learn the answers to these questions and more in our video with credit expert John Ulzheimer.

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