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September 25, 2018 12:00 PM PT

Chase Credit Limit Increase

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Need a higher credit limit on your Chase card? It's easier than you think. Here are the different ways you can get a credit line increase.

Is your credit limit on your Chase card too low?

Don't worry, you're not stuck forever with the limit you're given. If you've been a good user, a credit line increase should be totally reasonable.

Higher credit limits not only give you more purchasing power, but they can help boost your credit score too.

In most cases, you just have to ask.

Read on.

First, Why Do You Need an Increase

There are many reasons why you may want an increase. But not all of them are good reasons for getting one.

  • If you want an increase so you can buy stuff you can't afford, think twice. It's not a good idea to have so much spending power that you can't afford.

  • If you want an increase to make one or two large purchases and you have a payment plan, then great. You're using your card wisely.

  • Some people also want a credit line increase as part of their credit-building strategy. A higher limit will mean that your credit utilization is reduced, which leads to a better credit score.

    For example, if you usually use $2,000 out of a $5,000 limit, you're using 40% of your limit. But if you get your limit increased to $8,000, then your utilization is only at 25%. It's usually recommended that you keep your credit utilization at 30% or below.

Now, let's go over the ways you can get a credit limit increase from Chase.

Automatic Credit Limit Increases

If you have been using your card responsibly for several months, Chase may automatically award you an increase.

For the best chances of an automatic increase:

  • Make your payments on time each month.
  • Pay off your card in full each month.
  • Update any salary increases on your profile. A higher salary may make Chase see that you can afford a higher credit limit.

Many users also report receiving automatic increases when they have heavy usage. If you use a lot of your credit limit each month, that may indicate to Chase that your limit isn't enough. But you MUST make sure to pay it off in full and on time each month so Chase sees that you can afford your spending.

If you receive an automatic increase, it has no impact on your credit score. Just celebrate your new higher limit! (But don't go on a spending spree.)

Automatic increases may not be the case for every Chase card. Usually, Chase is more likely to award automatic increases for their lower tier cards, such as the Freedom or Freedom Unlimited. Those cards typically give out lower credit limits (starting at $500). Many users report seeing automatic increases after a few months.

Unfortunately, automatic increases for cards like the Sapphire Preferred and Sapphire Reserve are rare, but they're not completely unheard of.

Requesting an Increase by Phone

If you don't want to wait around for an automatic increase, you can call the number on the back of your card and just ask. Many users have reported positive responses when they called in to ask.

But note that Chase will need to check your credit again. This will trigger a hard pull, which will ding your credit a little.

Here are some tips for asking for an increase:

  • Ask at the right time. It's best to ask after you have used your card responsibly for at least 6 months. Ask after you have paid off your balance on your Chase card and other credit cards. It doesn't look good if you have a balance and then want a credit limit increase.

  • Explain why you want the increase. Here are some good reasons you can use:

    • You would like to use this credit card as your primary card, and would need a higher limit.
    • You have some major purchases coming up, such as for a vacation, wedding, home improvement project, etc.
    • You want to transfer a balance.
    • It's even perfectly fine to say that you want to keep your credit utilization low.

    Just don't say that you're low on cash and need to live off of your credit card for a while.

  • Know how much you want. Be reasonable about this. If you have a $2,000 limit, don't ask for $10,000 right away. You can maybe try $3,000. We'd say it's okay to ask for a 25% - 40% increase, depending on your situation.

  • Make your case for why you deserve it. This is also the time to bring up other points in your favor. Such as:

    • If you've gotten an income increase.
    • If you've been a loyal Chase customer for years.
    • If you have other credit cards or banking accounts with Chase.
    • If you've always paid your bills in full and on time.

  • Be polite. Of course, don't forget courtesy. Your attitude goes far when asking for favors.

It also doesn't hurt to ask how much of a limit increase you can get without doing a hard pull on your credit. If you've been a very good user, sometimes issuers may give you a smaller increase without checking your credit.

Apply for New Chase Card and Transfer Credit Limit

If you have more than one Chase card, you can ask to transfer part of the credit limit from one to the other. Usually this is no problem. This way, the total credit Chase extends you remains the same.

Some people also open a new Chase card and then ask to move the credit limit over to the card they want the higher limit on. Sometimes it's easier to be approved for a new card.

Here's what you need to know about applying for a new Chase card. You may have some restrictions if you're over the 5/24 rule.

Note that you cannot transfer limits between personal and business cards.

Transferring credit is only a soft pull and will not damage your credit score. However, if you're requesting a transfer to a card that will end up exceeding $35,000 in limit, then Chase may do a hard pull.

Denied? Things You Can Do

If you got denied, don't worry. There is no limit to how many times and how often you can ask for a credit line increase. So just try again later.

Here are some things you can do to help increase your chances for the next time.

  • Speak to another agent. If you've been a perfect user and feel certain that you deserve an increase, call again and talk to another agent. Sometimes, it's up to the say of the agent. So you may have better luck with someone else.

  • Continue to pay your bills on time each month. This includes credit card bills, student loans, car payments, mortgage, utilities, etc. Any missed payments will be a ding on your report.

  • Pay off your credit card debts. If you have other credit card debts, work on paying them off. That way, the next time you ask for an increase, it'll show that you don't keep a balance.

  • Refrain from opening new credit card accounts. Otherwise, it'll look like you're asking for credit all over the place.

  • Ask for credit limit increases on your other cards. This is helpful overall, because when your credit limit increases on other cards, your credit utilization ratio goes down. This helps to improve your credit score, which makes it easier to get a credit limit increase from Chase.

Bottom Line

Asking for a credit line increase from Chase is not so scary. The most important is that you always pay your bill in full and on time each month. Then an increase is not out of the question. It's best to ask for one after you have been using your card for at least 6 months. Be ready to explain why you need an increase and how much you want. Good luck.

And remember - celebrate your new limit but use it responsibly.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. This site may be compensated through the Advertiser's affiliate programs.

Editorial Note: This content is not provided by Chase. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Chase. This site may be compensated through the Advertiser's affiliate programs.

Disclaimer: The information for the Chase Freedom has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

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