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Minimalist and realistic scene showing stacked credit cards placed over US dollar bills on a light wooden desk, alongside a calculator, house keys, a pen, and financial documents with abstract charts, representing how credit cards relate to creditworthiness, borrowing decisions, and interest conditions in the United States.

Credit cards in the United States: how credit scores determine limits and interest rates

January 13, 2026

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Our blog provides free information and recommendations related to credit cards and financial services in general. It’s important to emphasize that we do not request any payment for our content (whether on the blog, email, or any other form of communication), and we also do not request additional information beyond what is necessary to provide our content. If you receive any suspicious messages requesting payment or additional information on our behalf, please inform us immediately. It’s important to note that we do not represent specific financial institutions and are not responsible for approvals or credit limits. We recommend that each reader assess the options and terms of credit cards or services they are interested in directly with the respective financial institutions. This blog is purely for informational purposes and should not be considered financial or legal advice.

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