We are independent & ad-supported. We may earn a commission for purchases made through our links.
Advertiser Disclosure
Our website is an independent, advertising-supported platform. We provide our content free of charge to our readers, and to keep it that way, we rely on revenue generated through advertisements and affiliate partnerships. This means that when you click on certain links on our site and make a purchase, we may earn a commission. Learn more.
How We Make Money
We sustain our operations through affiliate commissions and advertising. If you click on an affiliate link and make a purchase, we may receive a commission from the merchant at no additional cost to you. We also display advertisements on our website, which help generate revenue to support our work and keep our content free for readers. Our editorial team operates independently of our advertising and affiliate partnerships to ensure that our content remains unbiased and focused on providing you with the best information and recommendations based on thorough research and honest evaluations. To remain transparent, we’ve provided a list of our current affiliate partners here.

How do I Request a Credit Limit Increase?

By Tara Barnett
Updated May 17, 2024
Our promise to you
WiseGeek is dedicated to creating trustworthy, high-quality content that always prioritizes transparency, integrity, and inclusivity above all else. Our ensure that our content creation and review process includes rigorous fact-checking, evidence-based, and continual updates to ensure accuracy and reliability.

Our Promise to you

Founded in 2002, our company has been a trusted resource for readers seeking informative and engaging content. Our dedication to quality remains unwavering—and will never change. We follow a strict editorial policy, ensuring that our content is authored by highly qualified professionals and edited by subject matter experts. This guarantees that everything we publish is objective, accurate, and trustworthy.

Over the years, we've refined our approach to cover a wide range of topics, providing readers with reliable and practical advice to enhance their knowledge and skills. That's why millions of readers turn to us each year. Join us in celebrating the joy of learning, guided by standards you can trust.

Editorial Standards

At WiseGeek, we are committed to creating content that you can trust. Our editorial process is designed to ensure that every piece of content we publish is accurate, reliable, and informative.

Our team of experienced writers and editors follows a strict set of guidelines to ensure the highest quality content. We conduct thorough research, fact-check all information, and rely on credible sources to back up our claims. Our content is reviewed by subject-matter experts to ensure accuracy and clarity.

We believe in transparency and maintain editorial independence from our advertisers. Our team does not receive direct compensation from advertisers, allowing us to create unbiased content that prioritizes your interests.

Banks and credit card companies usually provide simple ways for customers to apply for a credit limit increase. Typically, a customer only has to fill out a form or make a phone call to request a higher limit. It is possible, however, to be denied for a credit limit increase. So, besides the actual process of requesting the release, it is important to take the appropriate steps in order to be approved for that increase.

Some cards cannot be increased during certain periods, such as the first six months that the card is active. There is almost always a waiting period that must be observed between increases. It is important to look over these constraints when first signing up for the card. These are not typically rules that can be worked around, and a credit limit increase will be impossible during any such period.

Requesting a credit limit increase can usually be done on the phone, online, or in person. The best place to find the number or form used to make this request is in the customer service or help section of the company's website. If someone cannot find the exact number or website needed for the request, an employee at the bank's physical location will almost always be equipped to provide information about credit limit increases. With any method, there may be an instant decision or the company may get back to you in several days. If the request is denied, an employee is usually made available to answer questions concerning the decision and to help plan ways to get approved later.

Most banks already have access to the information they need to determine whether a customer will receive a requested credit limit increase, so it is usually not necessary to provide additional documents. In some cases, the person may be asked to provide documentation of current income, employer, or even rent payments. A credit check may be performed to determine whether an increase is warranted. It is also a good idea to settle on the specific amount of money desired in the increase, as this information may be part of the request process.

The best overall strategy to ensure that the credit limit increase is approved is to use the card responsibly. This usually means simply using the card consistently and paying it off every month. Some people hold that merely making the minimum payments regularly and sometimes paying the entire debt off can be a better strategy, as this shows an ability to recover from debt, but this can end up being expensive due to interest payments. Ideally, a person should simply show the credit card company through action that he or she understands debt and will be capable of handling the increased credit. The company may even elect to give a responsible user an increase without being asked, which saves users the trouble of requesting a credit limit increase altogether.

WiseGeek is dedicated to providing accurate and trustworthy information. We carefully select reputable sources and employ a rigorous fact-checking process to maintain the highest standards. To learn more about our commitment to accuracy, read our editorial process.
Discussion Comments
WiseGeek, in your inbox

Our latest articles, guides, and more, delivered daily.

WiseGeek, in your inbox

Our latest articles, guides, and more, delivered daily.