Looking for another credit card option with a high limit. Suggestions are appreciated.

Credit

Hello everyone, I (32f) just got done cleaning up my credit history and was wondering what card I could apply for a higher limit? 

I have 2 credit cards through Capital One ( one Kohls card that I haven’t used since a year ago and a Capital One Platinum card). The Kohls card has a $300 limit and the Platinum a $400 limit (I just got a $100 increase yesterday from its initial $300 limit). I’ve never had a late payment on the Platinum card and have had it for about a year now. However, I had the Kohls card for about 3 years and had some late payments and delinquencies. 

Back in 2022,  I had two lines of credit through Paypal (Mastercard and Online purchase credit) both with a limit of $700. I made a lot of poor financial mistakes in my 20s and unfortunately got those accounts closed down back in 2024. I finally paid their last amount off back in April. The only debt that I have left over on my account is student loan debt. 

It took me longer than I would have liked to pay my debts off because I decided to go back to school back in 2024 so now the only debt I have on my account is my student loan debt. I make about 47k now but I’m looking for a higher paying job. Maybe get a card by the end of this year too (would be great to buy a used one in cash). 

Lastly, I joined a credit union almost half a year ago and was wondering if it would be a good option to get a credit card through them since I just cleared my debts? Or maybe I should wait until I stash more money in my credit union account instead? Are there any other options anyone would suggest in my situation? 

Greatly appreciate the advice and information!

Posted Jul 11, 2026, 1:14 PM UTC

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