Dr. Kibis Shares Expert Insights on Choosing High-Limit Credit Cards for Bad Credit

Dr. Eyyub Kibis, Feliciano School of Business Assistant Professor (Department Information and Business Analytics) provided his perspective on what are the best high limit credit cards for bad credit in a recent Wallet Hub article.

According to Dr. Kibis, most people do not have the best credit card for their needs. While there is no exact figure, studies suggest many are financially unhealthy, with over half carrying debt. Very few—possibly under 1%—actively optimize their credit card use. To choose the right card, individuals should consider their credit score and financial goals (e.g., rewards, low interest, travel benefits). Credit card terms often reflect economic conditions, with higher rates and complex rewards signaling caution from lenders. While avoiding credit cards can be wise for some, responsible use can offer key benefits like credit building and fraud protection.