Credit Card Limit?

[Es_Bella]

Is there a credit card company such as Discover, VISA, MasterCard, American Express and so on that can give me a limit of my choice. Of course, they won't give me an exeeded amount, but I'm trying to pay off two other credit cards and I want to pay them with on and be paying off just ONE. Is that possible??? Any help from anyone would be appreciated.
Thanks!
Currently I am unemployed. I'm late on paying one of the cards. Is there anthing I can do about that? If I call Customer Service, can they do something?

[kytirt]

Get a prepaid credit card. They sell them in most stores such as Wal-mart or Walgreens.

[SPIFIMAN1]

With most credit cards if you do a paper application and some on line you can include balance transfers in the application.

A lot of credit card companies are more likely to approve someone if they are transferring balances because they know they are going to make money on the interest they will pay.

Additional details.

Now we have the rest of the story. This will make it very hard for you to do what you are wanting to do. Not having a job and being behind on one of your accounts is a deal killer for credit card companies since the first thing they look for is the ability to repay the debt.

Try Discover and Washington Mutual.

[engineer50]

No, they will generally make the initial limit determination based on your credit record and their own policies.

[Sgt Big Red]

Sorry dear, they don't let you pick the limit!
No matter how you look at it, combining 2 debts into one still leaves you owing the same amount, only the monthly payment may be lower.
If those accounts you have are current, no need to panic, just keep paying them on time.
Credit reports are a "history" of your ability to pay on time. Paying off 2 accounts then closing them and having a new account with the same debt obligation does not and will not increase or better your credit score.
Check out the listed link below to find out more on protecting your credit.
Hope this helps

[liwen_bonita]

STOP SPENDING AND STOP USING THOSE CREDIT CARDS to start. That is very first step to pay off your debts.

No credit card company will let you choose your own credit limit. All credit card companies use the FICO score and your income to determine your credit limits. Actually if you want to pay off your two credit cards, you need to focus on LOW INTEREST RATE, and not just consolidate them into one credit card. But before you do anything, do you know your FICO score? If is low, I would ask you to just focus on paying the higher interest rate of the two credit cards. Pay as much as you can, and I hope that is much more than either the minimum requirement or the finance charge.

That DOSE NOT mean NOT to pay the lower interest rate credit card. That means pay the it with HIGHER of the required minumum OR the fincance charge on the lower interest rate credit card. And pay as much as you can on the HIGHER interest rate credit card account.

Do find out your credit score, if is 750 more higher. Try to apply a credit card that offer 0% SPECIAL INTRO RATE. The intro period is usually 8 months to a year. Then transfer 80% of the new credit line. If the credit line is not high enough for both balances, then you can pay minimum on this new credit card. And pay all the money that you can to the higher interest (like I mentioned above). Do read the fine print before you apply and do take into consideration on the one time fee for balance transfer, that is why you don't want to transfer 100% credit limit to this new credit card. Otherwise you will be over your limit, and most credit card charge a over the limite fee, and your special interest rate might jump to 25% to 30%. So read the fine print before your apply (to choose a good one) and read it after you got approved. Good luck, I know you can pay off those debts. Remeber NOT TO USE ALL THE CREDIT CARDS THAT YOU HAVE, even is 0% interest rate. Otherwise you will just get deeper into debt.

BTW, if your FICO score is not high enough and you can only pay minimum of the two credit cards. You might want to look for a full time job and a part time job (for addtional income) to pay them off.