Don Kilam's Black Card Redemption Membership


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Don Kilam's Black Card Redemption Membership NOW INCLUDES:

INCORPORATION OF YOUR NAME WITH SECRETARY OF STATE

BUSINESS ADDRESS AND PHONE NUMBER

BUSINESS WEBSITE

BUSINESS EMAIL

BUSINESS PHONE

BUSINESS E-COMMERCE ESTABLISHMENT

411 LISTING FOR YOUR BUSINESS 

DUN AND BRADSTREET NUMBER

3 NEW TRADELINES 

TRUST ESTABLISHMENT

ZERO AMOUNT OF WORK ON YOUR PART.

Secured Party and Status Correction Document Prep & Filings Services

EIN ESTABLISHMENT FOR YOUR TRUST

TRUST ESTABLISHMENT

ZERO AMOUNT OF WORK ON YOUR PART.

Secured Party and Status Correction Document Prep & Filings Services

 "WE FILE FOR YOU" (Document & Bond printing, Notarization & Filing fees included) + FREE SHIPPING

 WE do everything for you. 

  • Professionally preparing your documents   
  • Printing your documents

          (including printing of your Bond for Investment and Trust Certificates).     

  • Signing  your documents   
  • Filing your documents
  • Shipping your completed documents to you PRIORITY for FREE      
  • One Hour Monthly TRUST Services Consultation 
  • Consultation with a Business Attorney for a year! (after first year pay monthly dues)
  • Consultations with a Trust Attorney for a year! (after first year pay monthly dues)

You are responsible for:

Being patient while your documents are being professionally prepared and filed.

Are you ready to take back control of your own life?  This is the ultimate the first step towards this goal. To have standing in commerce it first starts with your Status Correction! This process includes everything that needs to be done to establish a superior interest in the debtor trust. This filing is a fully inclusive filing leaving you with the least amount of work to do on your end. If you want to limit the stress of getting your filing done and streamline the process for yourself you have found the filing for you. This filing includes drafting, printing, notarization and filing.

 

Benefits    

  • Separates with specific distinction the flesh and blood man from the fictitious corporate entity  
  • Reserves/Secures rights and interests (Remember you have no rights unless they are asserted.)  
  • Creates the ability to proceed in other filings/venues etc…  
  • establish a superior interest in the debtor trust
  • establishes a Common Law Copyright    
  • defines penalties for violations of rules and rights

 

Documents that are included in this filing.

  • Non TaxPayer Affidavit and Full Status Corrections a 25 Page Document    
  • Security Agreement 
  • Common Law Copyright    
  • Hold Harmless and Indemnity Agreement  
  • Financing Statement    
  • Financing Addendum   
  • Cover Letter    
  • Chargeback
  • Declaration of Trust
  • Power of Attorney in Fact and many more.

PRIVACY PROTECTION GUARANTEE Your personal documents & information is kept secure, encrypted & electronically shredded in accord with the Gutmann Method

The following is an abbreviated outline of the benefits of being a Member.


People Ask: ‘What’s Included?’

Here’s the answer…


Business Hacks and Secrets that they will not teach in school.

Trust and Contract Law not taught to the public!

Building Business Credit.


Weekly Meetings & Materials geared for both 'Defense' and for going on 'Offense'

 

We help with understanding Status Correction and we grow exponentially from there until we are all on a 'Do Not Detain' list

and we re-instill in the government a healthy balance of the people 

as we take back control of our sacred lost ground.


Advanced Training Libraries


Each Topic is its own section containing one or more folders with various and numerous;

manuals, papers, documents, templates and instructions in each folder.



Beat the Bankers


Building Business Credit


Affidavits of Obligation


Contractual Business Organizations (Business trusts)


Corporate Legal Document Templates


Declaration as an Ambassador for your Tribal Trust and Community - Legal Memorandum


DeProgramming Master File - UCL

Access to 15 gb of Freedom Manuals, Videos, Templates, Courses, Trust, including Patrick Devine files.


Fireside Chats


Fight Back with a Criminal Complaint


IRS Freedom Course


Legal Status Correction


Research Corrupt Judges and expose their bribes


Spiritual Renewal


Trademark, Tradename & Copyrights


When You are Arrested...


Win in Court - Subrogation


New Product Packages Files



Winning in Court


Travel by Right


 IRS Freedom Courses


 Beat the Bankers


Eliminating Personal Debt


Stop Foreclosure


Private Banking


Private Traveling


Tons of Legal Research


 Courtroom Procedure

- Numerous ideas, references & resources


Self Governance


Escape the Matrix


Change your Legal Status - Practical Matters


Stop Withholding


 

Books, Charts, White-papers, and Research Documents to Download.

 

- Asset Protection Training


- Business Banking & Finance Training


- Initial Contact & Travel


- Bank Fraud


- Business Banking & Finance


- Cash Flow Solutions


- Commercial Law


- Contractual Business Organization - Business Trust


- Debt Elimination


- Foreclosure


- International Business & Lifestyle Opportunities


- Legal Status Correction


- Common Law Training 


- Contract & Commercial Law Training


- IRS & Taxes in General Education


- Uniform Commercial Code Education


Income Withholding


 Liens & Levies


Dealing with Demands for Payments


Don’t Argue - Agree with a Conditional Offer


Members 

Interact with other members and learn from their experiences.

2 years of member newsletters, bulletins, conversations, input, personal experiences and more.


Private Consultations


-  Private consultations with Malik are on a time available basis.

He does not consult on legal/court cases or provide legal advise  

$200 pre-paid for one hour session.





There is a lot of hype in the Patriot movement around the unlimited alleged “Fed/DTC Black Card”… which allegedly allows you to spend money on your Social Security/Birth Certificate Estate Account, freely….into the Billions of Dollars.

 

These documents are NOT secret!    They ARE a matter of Public Record.

HERE ARE TRUTHFUL FACTS  MOST PEOPLE DO NOT KNOW, .... BUT SHOULD… 

1. The IRS is Not a US government agency.  It  is an agency of the IMF (International Monetary Fund) (Diversified Metal  Products v I.R.S et al.  CV-93-405E-EJE U.S.D.C.D.I., Public Law 94-564,  Senate report 94-1148 pg. 5967, Reorganization Plan No. 26, Public Law  102-391)

2. The IMF (International Monetary Fund) is an agency of the U.N. (Black’s Law Dictionary 6th Ed. page 816)

3. The United States has NOT had a Treasury since  1921 (41 Stat. Ch 214 page 654)

4. The U.S. Treasury is now the IMF (International Monetary Fund) (Presidential Documents Volume 24-No. 4 page 113, 22 U.S.C. 285-2887)

5. The United States does not have any employees because there is no longer a United States! No more reorganizations. After over 200 years of bankruptcy it is finally over. (Executive Order 12803)

6. The FCC, CIA, FBI, NASA and all of the other alphabet gangs were never   part of the U.S. government, even though the “U.S. Government” held stock in  the agencies. (U.S. v Strang, 254 US491 Lewis v. US, 680 F.2nd, 1239)

7. Social Security Numbers are issued by the U.N. through the IMF (International Monetary Fund). The application for a Social Security Number is the SS5 Form. The Department of the Treasury (IMF) issues the SS5 forms and not the Social Security Administration. The new SS5 forms do not state who publishes them while the old form states they are “Department of the Treasury”. (20 CFR (Council on Foreign Relations) Chap. 111 Subpart B. 422.103 (b))

8. There are NO Judicial Courts in America and  have not been since 1789. Judges do not enforce Statutes and Codes. Executive  Administrators enforce Statutes and Codes. (FRC v. GE 281 US 464 Keller v. PE  261 US 428, 1 Stat 138-178)

9. There have NOT been any judges in America since 1789. There have just been administrators. (FRC v. GE 281 US 464 Keller v. PE 261 US 428 1 Stat. 138-178)

10. According to GATT (The General Agreement on Tariffs and Trade) you MUST have a Social Security number. (House Report (103-826)

11. New York City is defined in Federal Regulations as the United Nations. Rudolph Guiliani stated on C-Span that “New York City is the capital of the World.” For once, he told the truth. (20 CFR (Council on Foreign Relations) Chap. 111, subpart B 44.103 (b) (2) (2) )

12. Social Security is not insurance or a contract, nor is there a Trust Fund. (Helvering v. Davis 301 US 619 Steward Co. v. Davis 301 US 548)

13. Your Social Security check comes directly from the IMF (International Monetary Fund), which is an agency of the United Nations. (It says “U.S. Department of Treasury” at the top left corner, which again is part of the U.N. as pointed out above)

14.You own NO property!!! Slaves can’t own  property. Read carefully the Deed to the property you think is yours.   You are listed as a TENANT. (Senate Document 43, 73rd Congress 1st Session)

15. The most powerful court in America is NOT the United States Supreme  court, but rather the Supreme Court of Pennsylvania. (42 PA. C.S.A.  502)

16. The King of England financially backed both sides of the American  Revolutionary War..   (Treaty of Versailles-July 16, 1782  Treaty of Peace 8 Stat 80)

17. You CANNOT use the U.S. Constitution to defend yourself because you  are NOT a party to it!  The U.S. Constitution applies to the CORPORATION  OF THE UNITED STATES, a privately owned and operated corporation  (headquartered out of Washington, DC) much like IBM (International Business  Machines, Microsoft, et al) and NOT to the people of the sovereign  Republic of the united States of America.  (Padelford Fay & Co.  v The Mayor and Alderman of the City of Savannah 14 Georgia 438, 520)

18. America is a British Colony. The United States is a  corporation, not a land mass and it existed before the  Revolutionary War and the British Troops did not leave until 1796 (Republica  v. Sweers 1 Dallas 43, Treaty of Commerce 8 Stat 116, Treaty of Peace 8 Stat  80, IRS Publication 6209, Articles of Association October 20, 1774)

19. http://www.youtube.com/watch?v=lVsMUpPgdT0

20. Britain is owned by the Vatican. (Treaty of 1213)

21. The Pope can abolish any law in the United States (Elements of Ecclesiastical Law Vol. 1, 53-54)

22. A 1040 Form is for tribute paid to Britain  (IRS Publication 6209)

23. The Pope claims to own the entire planet through the laws of conquest and discovery. (Papal Bulls of 1495 & 1493)

24. The Pope has ordered the genocide and enslavement of millions of people.(Papal Bulls of 1455 & 1493)

25. The Pope’s laws are obligatory on everyone. (Bened. XIV., De Syn. Dioec, lib, ix, c. vii, n. 4. Prati, 1844 Syllabus Prop 28, 29, 44)

26. We are slaves and own absolutely nothing, NOT even what we think are our children. (Tillman vs. Roberts 108 So. 62, Van Koten vs. Van Koten 154 N.E. 146, Senate Document 438 73rd Congress 1st Session, Wynehammer v. People 13 N.Y. REP 378, 481)

27. Military dictator George Washington divided up the States (Estates) in to Districts (Messages and papers of the Presidents Volume 1 page 99 1828 Dictionary of Estate)

28. “The People” does NOT include you and me. (Barron vs. Mayor and City Council of Baltimore 32 U.S. 243)

29. It is NOT the duty of the police to protect you. Their job is to protect THE CORPORATION and arrest code breakers. (SAPP vs. Tallahassee, 348 So. 2nd. 363, REiff vs. City of Phila. 477 F. 1262, Lynch vs. NC Dept. of Justice 376 S.E. 2nd. 247)

30. Every thing in the “United States” is up for sale: bridges, roads, water, schools, hospitals, prisons, airports, etc, etc… Did anybody take time to check who bought Klamath Lake?? (Executive Order 12803)

31. “We are human capital” (Executive Order 13037)   The world cabal makes money off of the use of your signatures on  mortgages, car loans, credit cards, your social security number, etc. 

32. The U.N. – United Nations – has financed the operations of the United States government (the corporation of THE UNITED STATES OF AMERICA) for over 50 years (U.S. Department of Treasury is part of the U.N. see above) and now owns every man, woman and child in America.

The U.N. also holds all of the land of America in Fee Simple.

The good news is we don’t have to fulfill “our” fictitious  obligations. You can discharge a fictitious obligation with another’s  fictitious obligation 


However now, a little more simplistic, but still an amazing way to get powerful leverage and usufruct (right to use property) that we know for a fact, 100%, you can all get…is still an amazing feat for most paupers and middle-class business owners alike:    I bet you didn’t know that you can get access to the use of a $100,000 unsecured line of credit or L.O.C. (credit card, NOT a loan), no matter what your personal Credit Score is?

 

We can help guide our clients to help them live their dream life in a matter of no time!


 

Our Results Speak For Themselves

 

Make Sure You are Operating Your Credit Card’s for LEGITIMATE Business Purposes/Expenses, (Salary to you the CEO is perfectly OK), or else you could be accused of Fraud. If you apply for these cards and have NO REAL BUSINESS, it is ILLEGAL!  If you default on the card within the first year of getting the card, your purchases will likely be investigated. This program is for people who are responsible and will not get themselves into trouble, and true entrepreneurs grateful to get the leverage they need to move a proven business model in the right direction. We screen all applicants to ensure they are not likely to go into default but instead turn a profit and will use it for a real business.




Credit card limits may seem like an inconvenience at times but, ultimately, a card’s upper limit is established to not only protect the credit card issuer but to protect the consumer from getting in over his or her head as well.

It’s a common scene in a number of films: the big spender who breaks out the credit card with the simply ridiculous limit and charges a yacht or sports car with a single swipe. The ultimate show of reckless wealth (or, at least, the perception of it), fancy cards with unlimited credit are great ways to make a movie statement, but they’re hardly practical for the average consumer.

For most of us, the high-limit luxury of the most exclusive credit cards isn’t just unattainable — it’s unnecessary. These cards often come with hefty annual fees to cover all those perks. Plus, the temptation to overspend can skyrocket when you can swipe your way through any store.

On the other hand, high credit limits can help boost your credit score if you maintain low levels of debt, and the ability to finance large purchases all at once can be useful for those who can quickly pay them off. But these benefits can be obtained without needing the infamous Black Card; your favorite rewards or everyday card may allow you the high credit limit you’re looking for, without the high costs



Highest Overall Credit Limit: $100,000,000


CLICK HERE FOR THE AMEX BLACK CARD AGREEMENT


OTHER CARDS TO COMPARE FOR YOUR BUSINESS


For a card that has all the feel — and much of the function — of an exclusive card without the exclusive requirements, the Chase Sapphire Preferred® Card is a great choice. The card has a luxurious metal finish that gives it an impressive feel and style that’s sure to be noticed and reputedly has a maximum credit limit just as impressive.

1

Chase Sapphire Preferred® Card

 Chase Sapphire Preferred® Card Review  

at Chase'ssecure website

BEST OVERALL RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0Our Review »
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
  • See application, terms and details.

  Intro (Purchases)    

  Intro (Transfers)    

  Regular APR    

  Annual Fee    

  Credit Needed    

 N/A

 N/A

 17.49% - 24.49% Variable

 $95

 Good/Excellent

Of course, you’ll need to keep in mind that credit limits are determined primarily by your creditworthiness, based on the information in your credit report, as well as your income level. For the most part, the better your credit and income situation, the higher the credit limit you are offered, and only those with the most pristine credit will be offered limits near the maximum.

According to reviews, Chase Sapphire Preferred® Card cardholders with credit scores above 700 have the highest limits, but only 10% of cardholders have credit limits above $20,000. The average credit limit for the Preferred card is around $10,000.

If you’re looking for even more rewards out of your Chase card, try the Chase Sapphire Preferred® Card‘s big sibling: the Chase Sapphire Reserve®. This Visa Infinite® card is designed for even bigger spenders than its little sibling, providing triple points on dining and travel — compared to the 2X Ultimate Rewards points of the Preferred — as well as advanced perks and benefits.

Highest “Air Miles” Credit Limit: $50,000


Given that the cost of the average vacation ranges from over $1,100 to just under $5,000, knowing that your favorite travel rewards card has the room to fit all of your family’s needs can be a big relief. With the Capital One® Venture® Rewards Credit Card, qualified applicants can rest easy on the road or abroad with reported credit limits up to $50,000.

2

Capital One® Venture® Rewards Credit Card

 Capital One® Venture® Rewards Credit Card Review  

AIR MILES RATING

★★★★★
5.0

OVERALL RATING

4.9/5.0
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✔®
  •  Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 15+ leading travel loyalty programs
  • No foreign transaction fees
  • See application, terms and details.

  Intro (Purchases)    

  Intro (Transfers)    

  Regular APR    

  Annual Fee    

  Credit Needed    

  N/A

  N/A

 17.24% - 24.49% (Variable)

 $0 intro for first year; $95 after that

 Excellent, Good

While your credit limit will depend on your individual creditworthiness, most reviewers indicate receiving lower limits than the highest reported of $50,000. Several reviewers report limits around $30,000, while the average limit seems to be between $5,000 and $10,000.

Arguably the most popular feature of the Capital One® Venture® Rewards Credit Card is the blackout-free travel rewards program, in which points can be redeemed for statement credit for travel-related expenses, including airline and hotel purchases. Since cardholders aren’t subject to brand limitations, they can fly any airline or stay in any hotel they prefer. Those who are brand loyalists can also transfer miles to participating frequent flyer programs.

Highest “Balance Transfer” Credit Limit: $25,000


Although it’s always best to pay off your revolving credit lines in full each statement cycle, sometimes you simply need to carry a balance. To make that balance more affordable, you’ll want the lowest interest rates possible — such as a balance transfer card with 0% APR for more than a year. Of course, even the lowest interest rates are of little help if your balances won’t fit on the transfer card.

The Discover it® Balance Transfer offer provides plenty of room for your existing balances, with well-qualified reviewers reporting credit limits up to $25,000. You’ll also enjoy cash back rewards, including new bonus categories each quarter, to maximize your savings.

3

Discover it® Balance Transfer

 Discover it® Balance Transfer Review  

at Discover Card'ssecure website

0% BALANCE TRANSFER RATING

★★★★★
5.0

OVERALL RATING

4.9/5.0Our Review »
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • See application, terms and details.
See Rates & Fees

  Intro (Purchases)    

  Intro (Transfers)    

  Regular APR    

  Annual Fee    

  Credit Needed    

 0% for 6 months

 0% for 18 months

 13.49% - 24.49% Variable

 $0

 Good/Excellent

Of course, as with any credit product, the highest limits won’t be available to every applicant. Reviews indicate the average new Discover it® applicant is significantly more likely to see a credit limit of $3,000 to $10,000 than one over $20,000.

Highest “Cash Back” Credit Limit: $24,000


When it comes to selecting the best card for everyday purchases, a cash back card can be a great choice. If you have a large family or simply large expenses, however, you may be concerned that your cash back card can’t handle the load. For credit-limit peace of mind, you can try the Chase Freedom® or Chase Freedom Unlimited®, sister cards which reportedly have credit limits up to $24,000 for the most qualified applicants.

4

Chase Freedom Unlimited®

 Chase Freedom Unlimited® Review  

at Chase'ssecure website

CASH BACK RATING

★★★★★
5.0

OVERALL RATING

5.0/5.0Our Review »
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49 - 25.24%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5
  • No annual fee
  • No minimum to redeem for cash back
  • See application, terms and details.

  Intro (Purchases)    

  Intro (Transfers)    

  Regular APR    

  Annual Fee    

  Credit Needed    

 0% Intro APR on Purchases 15 months

 0% Intro APR on Balance Transfers 15 months

 16.49% - 25.24% Variable

 $0

 Good/Excellent

5

Chase Freedom®

 Chase Freedom® Review  

at Chase'ssecure website

CASH BACK RATING

★★★★★
4.5

OVERALL RATING

5.0/5.0Our Review »
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49 - 25.24%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
  • See application, terms and details.

  Intro (Purchases)    

  Intro (Transfers)    

  Regular APR    

  Annual Fee    

  Credit Needed    

 0% Intro APR on Purchases 15 months

 0% Intro APR on Balance Transfers 15 months

 16.49% - 25.24% Variable

 $0

 Good/Excellent

Offering nearly identical perks and benefits, the two cards are differentiated primarily by the way cardholders earn cash back. Specifically, Chase Freedom® users enjoy 1% unlimited cash back on every purchase and 5% bonus cash back (up to a set amount) in specific categories that change each quarter. In contrast, the Chase Freedom Unlimited® offers an unlimited 1.5% cash back on every purchase.

Although the Chase Freedom® and Chase Freedom Unlimited® cards may offer limits over $20,000 to well-qualified applicants, the average cardholder is much more likely to receive a credit limit between $3,000 and $5,000 than one over $10,000. That said, a number of consumers have had luck requesting a credit limit increase from Chase directly; keep in mind this generally results in a hard credit pull, which can impact your score.

Highest “Points” Credit Limit: $100,000


As the highest-overall credit limit card, with a reported maximum of $100,000, the Chase Sapphire Preferred® Card easily tops the points category, as well. And while the average credit limit is much lower than the six-digit max, cardholders can go into the process knowing they’ll receive at least a $5,000 initial credit limit if approved.

6

Chase Sapphire Preferred® Card

 Chase Sapphire Preferred® Card Review  

at Chase'ssecure website

POINTS & GIFTS RATING

★★★★★
4.9

OVERALL RATING

4.8/5.0Our Review »
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  •  2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
  • See application, terms and details.

  Intro (Purchases)    

  Intro (Transfers)    

  Regular APR    

  Annual Fee    

  Credit Needed    

 N/A

 N/A

 17.49% - 24.49% Variable

 $95

 Good/Excellent

The Chase Sapphire Preferred® Card also has far more to recommend it than high-roller-esque credit limits. In particular, the Chase Ultimate Rewards program is one of the most popular points programs in the market today, providing flexible rewards points that can be redeemed for everything from cash back to travel.

Additionally, Ultimate Rewards members can get even more pow for their points by transferring to any of Chase’s airline and hotel partners, including British Airways and Marriott. Smart point transfers can increase the value of your points (and make for a much more affordable vacation).

Highest “Business” Credit Limit: $30,000


While having a high-limit credit card can be convenient for a family, it’s often a complete necessity for a small business looking to make convenient inventory and supply purchases. The Capital One® Spark® Cash for Business is a solid introductory business card that, according to reviewers, can offer credit limits up to $30,000 for qualified applicants.

7

Capital One® Spark® Cash for Business

 Capital One® Spark® Cash for Business Review  

BUSINESS CARD RATING

★★★★★
4.8

OVERALL RATING

4.8/5.0
  • Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
  • Earn unlimited 2% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • $0 annual fee for the first year; $95 after that
  • Free employee cards, which also earn unlimited 2% cash back on all purchases
  • $0 Fraud Liability if your card is lost or stolen
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • See application, terms and details.

  Intro (Purchases)    

  Intro (Transfers)    

  Regular APR    

  Annual Fee    

  Credit Needed    

  N/A

  N/A

 18.49% (Variable)

 $0 intro for first year; $95 after that

 Excellent, Good

In addition to sizeable credit lines, the Capital One® Spark® Cash for Business also offers unlimited cash back on all of your purchases, as well as a solid signup bonus, making it easy to save a little on what your business needs most. You can also obtain employee cards at no additional cost that will add to your business rewards earnings.

Highest “0% Intro” Credit Limit: $24,000


With the convenience, ease, and rewards of using credit cards for major purchases, it can be tempting to swipe for just about everything. Unfortunately, interest fees can turn that easy buy into a nightmare purchase. A good way to avoid hefty interest fees is through a 0% APR introductory offer good on new purchases, such as the one provided by the Chase Freedom® and Chase Freedom Unlimited® sister cards.

According to reviews, Chase Freedom® and Chase Freedom Unlimited® cardholders can see high credit limits of up to $24,000. That said, credit limits vary based on creditworthiness and income, and the average tends to be closer to $3,000

8

Chase Freedom®

 Chase Freedom® Review  

at Chase'ssecure website

0% INTRO APR RATING

★★★★★
4.9

OVERALL RATING

5.0/5.0Our Review »
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Unlimited 1% cash back on all other purchases - it's automatic
  •  0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49 - 25.24%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
  • See application, terms and details.

  Intro (Purchases)    

  Intro (Transfers)    

  Regular APR    

  Annual Fee    

  Credit Needed    

 0% Intro APR on Purchases 15 months

 0% Intro APR on Balance Transfers 15 months

 16.49% - 25.24% Variable

 $0

 Good/Excellent

9

Chase Freedom Unlimited®

 Chase Freedom Unlimited® Review  

at Chase'ssecure website

0% INTRO APR RATING

★★★★★
4.9

OVERALL RATING

5.0/5.0Our Review »
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  •  0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49 - 25.24%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5
  • No annual fee
  • No minimum to redeem for cash back
  • See application, terms and details.

  Intro (Purchases)    

  Intro (Transfers)    

  Regular APR    

  Annual Fee    

  Credit Needed    

 0% Intro APR on Purchases 15 months

 0% Intro APR on Balance Transfers 15 months

 16.49% - 25.24% Variable

 $0

 Good/Excellent

When deciding between the two cards, consider where you are likely to do most of your spending, particularly purchases for which you’ll want to enjoy the 0% APR introductory offer. If your spending falls into common categories, such as gas and groceries, the Chase Freedom® may be best. Otherwise, consider the Chase Freedom Unlimited® for its higher unlimited cash back rewards.

Highest “Student” Credit Limit: $5,000


Of all that can be said about college, perhaps the least understated is the significant costs involved. Even beyond tuition and housing expenses, the average student will spend nearly $1,300 just on books and supplies, and that’s before buying food, gas, and other essentials. Making it worse, many of those expenses tend to come all at once at the start of each semester.

One of the easiest ways to ensure you have the textbooks and notebooks you need for day one is to use a student credit card with a quality credit limit, like the Discover it® Student Cash Back. According to reviewers, the Discover it® Student Cash Back can offer qualified applicants a credit limit up to $4,500, although the average cardholder reports a limit between $300 and $3,000.

10

Discover it® Student Cash Back

 Discover it® Student Cash Back Review  

at Discover Card'ssecure website

STUDENT RATING

★★★★★
4.9

OVERALL RATING

4.5/5.0Our Review »
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  •  Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • See application, terms and details.
See Rates & Fees

  Intro (Purchases)    

  Intro (Transfers)    

  Regular APR    

  Annual Fee    

  Credit Needed    

 0% for 6 months

 10.99% for 6 months

 14.49% - 23.49% Variable

 $0

 Fair/New to Credit

In addition to offering a relatively high limit for a student card, the Discover it® Student Cash Back gives cardholders many of the same perks as other Discover users, including 5% cash back bonus categories and 1% unlimited cash back on other purchases. Students who maintain a GPA above 3.0 can also earn a $20 statement credit through Good Grades Rewards each year.

Highest “Fair Credit” Credit Limit: $5,000


While each credit scoring model has its own range, if your score is in the mid-600s, you are generally considered to have fair credit. With fair credit, you shouldn’t need to rely on subprime issuers to obtain credit, but you’ll still receive higher rates and lower credit limits than your good-credit friends.

That doesn’t mean you’ll be stuck with a three-digit limit, however. The Capital One® QuicksilverOne® Cash Rewards Credit Card, for instance, is reported to offer a credit limit of up to $5,000 to well-qualified applicants, with an average limit of around $2,000.

11

Capital One® QuicksilverOne® Cash Rewards Credit Card

 Capital One® QuicksilverOne® Cash Rewards Credit Card Review  

FAIR CREDIT RATING

★★★★★
4.8

OVERALL RATING

4.5/5.0
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
  • See application, terms and details.

  Intro (Purchases)    

  Intro (Transfers)    

  Regular APR    

  Annual Fee    

  Credit Needed    

  N/A

  N/A

 26.99% (Variable)

 $39

 Average, Fair, Limited

Cardholders who demonstrate responsible card use for the first five months by paying their statement on time become eligible for a potential credit limit increase. The Capital One® QuicksilverOne® Cash Rewards Credit Card also comes complete with unlimited cash back on purchases and a fairly low annual fee.

Highest “Bad Credit” Credit Limit: $2,000


Although the high fees and interest rates can be expensive, for some applicants, it’s the low credit limit that is the biggest drawback to a subprime credit card. And where some secured cards allow larger deposits to obtain higher credit limits, most unsecured credit lines max out in the three-digit range, making them difficult to use for anything large.

Rather than sinking hundreds into a secured card in the hopes of obtaining a higher limit, those looking to rebuild their credit can turn to a Fingerhut Credit Account. With reviews suggesting limits as high as $2,000, your Fingerhut account can be used to purchase thousands of goods from top brands across dozens of categories, including clothing, furniture, and electronics. (See complete WebBank/Fingerhut Advantage Credit Account Terms and Conditions.)

12

Fingerhut Credit Account

 Fingerhut Credit Account Review  

at Fingerhut'ssecure website

BAD CREDIT RATING

★★★★★
4.7

OVERALL RATING

4.0/5.0Our Review »
  • Easy application! Get a credit decision in seconds.
  •  Build your credit history – Fingerhut reports to all 3 major credit bureaus
  • Use your line of credit to shop thousands of items from great brands like Samsung, KitchenAid, and DeWalt
  • Not an access card
  • See application, terms and details.

  Intro (Purchases)    

  Intro (Transfers)    

  Regular APR    

  Annual Fee    

  Credit Needed    

 N/A

 N/A

 See Issuers Website

 $0

 Poor Credit

Reports from reviewers also indicate that credit limit increases are regularly awarded to responsible Fingerhut Credit Account users, though some information suggests these increases are most frequently given to those who use their account the most. On the plus side, a lower credit limit can be good for those consumers building credit, as it will temper the ability to overspend.

Perhaps the best part of your Fingerhut account is that it will report your payment history to the three major credit bureaus. This means that as you make on-time payments and maintain your account in good standing, your credit score will show improvements over time.

Increase Your Credit Score to Increase Your Limits


For all that many people want to live the high-spending lifestyle of those without credit card limits, maintaining an exclusive credit card or limitless charge card just isn’t worth the hassle and fees for most of us. Instead, consumers with great credit can enjoy big limits and big perks from many of their favorite everyday credit cards and a wide range of categories.

Chart of Average Credit Limits by Credit Score

For those who are wallowing in low-credit limit limbo, the best way to improve your available credit is to improve your overall creditworthiness. Although your income will play a part, your credit report will play a much bigger role in determining your limit.

In essence, the better your credit report (and, thus, credit score) looks to prospective credit card issuers, the more likely you are to receive a credit limit toward the high end of the range. Furthermore, improving your credit score will likely also improve other key areas of your credit-related finances, including lowering your interest rates and fees.

Editorial Note: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.