You can request a credit limit increase online, through the {Issuer Name} mobile app, or by calling customer service at the number on the back of your card. To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income {Issuer Name} has on file. {Issuer Name} will be more likely to increase your credit limit if the revised income clearly shows that you can afford a higher limit.
How To Get {a/an} Credit Limit Increase Online
- Log in to your online account or the {Issuer Name} mobile app.
- Choose the card from the list of account options (if you have more than one {Issuer Name} card).
- Click “,” and then “.”
- Enter . Click “.”
- Confirm the information entered and click “” to complete the request.
You should receive a decision in just a few seconds. If you’re approved for {a/an} credit limit increase, the new limit is effective immediately.
Impact of {a/an} Credit Limit Increase on Your Credit Score
When you request {a/an} credit limit increase, {Issuer Name} will conduct a hard pull of your credit report, which will cause a short-term dip in your credit score. {Issuer Name} cannot do a hard pull without your permission, though.
Alternatively, you could be eligible for {a/an} credit limit increase without even requesting one. The card may offer an automatic credit limit increase if {Issuer Name}’s regular review of your account shows a history of on-time payments and low debt. An automatic credit limit increase involves a soft pull, which does not affect your credit score.
This answer was last updated on 08/09/24 and it was first published on 05/04/16. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
