Edited by: Keri Stooksbury
& Kellie Jez
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Need a credit limit increase on your Chase credit card, but not sure how to get it? You’re in the right place.
There are a couple of ways to get a credit limit increase, and a few essential things to remember during the process. But don’t let an increased limit go to your head — it’s critical to use your credit wisely and not just for a shopping spree.
Why do you want a credit limit increase? Maybe you’re planning on making a large purchase that you would like to put on your card and pay off. If so, be sure to tell Chase when requesting your increase.
Planning on maxing out your new limit with purchases that you really can’t afford without credit? In that instance, your chances of getting a credit increase are slim (and you should consider re-examining how you use credit).
Using credit wisely is critical, especially when you’re collecting miles and points. You should pay your bill in full every month so that interest charges don’t offset your rewards. If this is difficult for you, you’re probably not ready a credit limit increase.
It’s good to know what your current credit limit is before you request a credit limit increase. You can find your credit limit in your online Chase.com account. Once you log on to your account, click on the credit card you would like to check located on the left-hand side of your screen.
You will see your credit card information in the main section of the page once you select your credit card. Look for your current balance and available credit. These 2 numbers combined will give you your total credit limit for that card.
If you are generally a creditworthy customer, you have a good chance of getting your desired credit limit increase, as long as it’s reasonable. Here are a few things the bank will be looking at:
If you are a brand-new customer or habitually have late or partial payments, your chances of getting a credit limit increase are slim.
The easiest way to increase your Chase credit limit is to open a new credit card. Chase has some of the best points-earning cards available, so as long as you are under “5/24” (5 or fewer new cards in the previous 24 months), opening a new card is a great way to increase your overall credit limit with Chase.
Once you open your new card, you can often transfer some of the credit from the new card to another card if you would prefer your new credit to be on a different card.
Here are some of the best card choices from Chase that can offer high credit limits:
The Chase Sapphire Preferred card is a solid choice offering many benefits. If you’re approved for this card, the reported minimum credit limit you can receive is $5,000. The average credit limit on this card is $10,000, and about 10% of cardholders report a credit limit that exceeds $20,000.
A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
The Chase Sapphire Preferred® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.
Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.
The Chase Freedom Unlimited card is a great card to keep in your wallet long-term because it has no annual fee. It offers a great way to earn Chase Ultimate Rewards points with 1.5% cash-back on all purchases. The minimum credit limit available for this card is $500.
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.
When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.
If you are in the market for a credit limit increase, you will probably need to contact Chase and ask for it directly. Here are a few things to keep in mind before you pick up the phone.
Balance transfers offer a good way to persuade Chase to increase your credit limit. A balance transfer means you’re moving the balance from one credit card to another. It’s usually done to simplify and consolidate debt and to lower your interest rate.
Banks love balance transfers because they typically charge a transfer fee and will eventually get to collect interest on any balance that you don’t pay off in full by the time the 0% interest period is over.
The Chase Slate Edge card is a great option for those looking to build their credit.
Chase revamped the Chase Slate Edge℠ in 2021. It’s a no-annual-fee card designed for those looking to build their credit or those who need a low-interest APR card for a large purchase or balance transfer.
While the Chase Slate Edge card does not offer the opportunity to earn any rewards, it is a great option for those who are just beginning their credit journey, and the card still offers lucrative benefits that any cardholder would find value in.
The Chase Slate Edge card is a great option if you need to build or improve your credit score. With no annual fee and an intro APR offer, this card can be a valuable tool for many cardholders.
Chase, like most other banks, will automatically increase your credit if you are using your card responsibly and paying your balance in full and on time. These automatic bumps generally happen every 6 to 12 months. If you’re patient, you might get a credit limit increase without doing anything!
Be aware that even if you’re doing everything right, the automatic increase might not happen. In that case, you’ll need to contact Chase to request an increase.
Hot Tip: Readers may also want to note that we have a separate article dedicated to increasing your American Express credit limit.
Your request for a higher credit limit was denied — now what?
The first thing to do is call Chase back and ask again. Make your case for why a higher credit limit should be extended (for a large purchase, balance transfer, or higher income), and your request may be approved.
If Chase still denies your request, it’s time to look at your credit score and how you use the credit you have.
It’s a good idea to know how to monitor your credit score (and hopefully watch it grow). There are lots of places to check your credit score, and many are free. It’s a good idea to do this periodically to make sure everything is correct and up to date.
Here are a few websites to help you understand your credit score and the factors that go into it. Many of these sites allow you to check your score for free.
There are 3 main credit bureaus in the U.S.:
Each one of these sites charges to see your credit report. However, there are ways to get it for free. Every year, all consumers in the U.S. are entitled to receive 1 free credit report from each of the 3 main credit bureaus. To get your free reports, check out annualcreditreport.com.
You can also get your credit report and score for free from these sites:
Chase offers a tool to see your credit score directly from your Chase account.
Log in to your Chase account to get started with Credit Journey. Simply enter your information and your enrollment is complete.
Hot Tip: Checking your credit score on Credit Journey does not result in a hard pull, and it does not impact your score.
From here, you will be able to view your current credit score and some basics including late payments and the number of accounts opened.
Scroll to the bottom to use the score simulator. This tool allows you to view how certain actions might affect your credit score. You can adjust several parameters with this tool including:
This is a fun and informative way to see how certain actions (both good and bad) can affect your score.
Raising your credit score is a smart way to set yourself up for a credit limit increase and develop good credit habits.
Boosting your score is simple — it just takes a little discipline. Follow these basic rules to see your number increase:
If your credit score isn’t great, check out these Chase credit cards for building credit.
There are many legitimate reasons to request a credit limit increase. If you’ve been a Chase customer for at least 6 months and have shown that you can use your credit responsibly, you’re likely to receive an increased credit limit.
However, if you tend to only pay minimum balances or make late payments, you are unlikely to get an increase. If that’s the case, work on cleaning up your credit first, then go after the credit limit increase you need.
The information regarding the Chase Slate Edge℠ Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
Chase may automatically increase your credit limit about every 12 months, but an increase is never guaranteed.
Yes, asking for a credit limit increase will result in a hard pull on your credit. This may lead to a slight temporary drop in your credit score.
There are a few reasons why Chase might not increase your credit limit. First, if you have been a customer for 6 months or less, your chances of getting an increase are slim to none.
Second, if you have a history of late or partial payments, Chase will not be inclined to extend more credit to you. Once you start using your credit more responsibly (paying your bill in full on time each month), try requesting a credit limit increase again.
Yes, it can happen. However, if you’re using your credit responsibly and paying your bills in full and on time each and every month, this shouldn’t be a problem.
Generally, no, it’s not a good idea to lower your credit limit even if you aren’t using it. Part of your credit score is based on your utilization ratio, meaning the percentage of your available credit that you’re actually using. This number should be lower than 30%.
Let’s say you have a $2,000 balance on a card with a $10,000 credit limit. Your utilization ratio would be 20%, which is good. If you drop your credit limit to $7,000, then the same $2,000 balance would give you a utilization close to 30%, which could negatively affect your credit score.
No, if you request a credit limit increase from Chase, there will be a hard pull on your credit. However, if Chase increases your limit automatically (as they periodically might do) there will not be a hard pull on your credit.
No, if you request a credit limit increase from Chase, there will be a hard pull on your credit.
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