If you have a credit card and checking account with same company would they base your credit limit…?
Lets say I had a credit card and savings/checking account at Bank of America:
If I were to withdraw lots of money from my checking account would they cut my credit card credit limit based on that or is the credit limit only determined by my fico score?
You could have a 0 balance in your checking.
That will not affect your credit card rating in any way.
Note: Never use more than 30% of your available credit on your cards
This is when your credit starts reducing.
I consider it best to use your credit card for things you need each month and pay in full when you get the statment. This sets you up with good ratings, and keeps you from going into debt.
You also never pay interest when you pay in full each month.
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