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For example, your card has a This web page 10,000 credit check this out and you have a PHP 5,000 balance on it. If you know you are the type of person to be responsible with credit, and not simply view a credit card as "free money", then you could citi visa getting a card with a higher limit. However, the Jose guy could have an 800 score with only two accounts. If you are going to spend the money, you will want to obtain a few added benefits for doing so.