Wealthier people are the ones who have unsecured credit cards. Banks apparently have no problem giving me a limit of $50k without any sort of collateral, but my dad can't get a credit card without depositing his entire limit.

I was given an unreasonable amount of unsecured credit when I turned 18, by virtue, apparently, of the fact that I was now 18. It certainly wasn't because I had any stable income or assets.

My point was that larger credit limits typically come on unsecured cards, not secured ones.

For example, I can get a $20k limit card. It's pretty unlikely that you can get a secured card with a $20k limit.