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How to request a credit line increase with Chase

Boost your credit score and lower your utilization with a bigger credit limit


Getting approved for a higher credit limit with Chase might be easier than you think, but you should ensure you can preserve your credit in the process.

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There are lots of great reasons to request a higher credit limit. While we’d caution against getting a credit line boost just to take on purchases you can’t afford, asking your card issuer for a bigger limit can help you afford that large purchase you want to pay over time or reduce your overall credit utilization.

You might think that you are unlikely to be approved for more credit, but a poll actually found that 85 percent of people who ask for a higher credit limit get one. And if you are a Chase customer, the process for requesting a higher credit limit is simple. You can even be targeted for a bigger credit line without having to ask. Read on to learn about how to request a credit line increase with Chase.

Eligibility requirements

While there are no strict requirements for a credit limit increase with most banks, there are some good rules of thumb for your eligibility. You are more likely to qualify for a credit line increase if the following statements are true:

  • You have a good track record of on-time payments and using your card responsibly.
  • You’ve had your account open for at least six months.

This is because a card issuer granting you a higher credit line requires that they trust your ability to use it responsibly. If you’ve demonstrated that you can make your payments on time, every time, it signals to Chase that you can handle a higher limit.

Similarly, you can build a better reputation with a bank by demonstrating these behaviors over an extended period of time. The longer you have an account open with Chase, the more data they have that you are a responsible cardholder. Plus, if you applied for a card less than six months prior to requesting a credit limit increase, it is unlikely that much has changed on your credit report since the bank did its initial evaluation and approved you for the card at your current credit limit.

Before you request a credit limit increase

Before you pursue a credit limit increase, you need to make sure you have all the information you need to complete the process successfully.

First, you should decide what credit line you’d like to have. In general, we recommend avoiding asking for too much at once – unless you are very confident in making your case for a big increase. Stay away from trying to double your current limit and instead come up with a number that works for your without asking for too much too fast. Ensure that you aren’t asking for more than you’d be able to pay off to boost your chances of approval and minimize your risk of putting yourself in debt.

See Related: 6 things to know before requesting a credit-line increase

You should also pull your credit report and know your credit score before you request a higher credit line. If you know how you look to lenders, you can make a better case for why you deserve a higher limit. Plus, you’ll see any late payments or negative marks that might cause your request to be denied.

Finally, if you’ve been making minimum payments and carrying a balance, you might want to switch up your strategy before requesting a credit line increase. An issuer will be more likely to grant you a higher credit limit if you show the ability to pay back what you borrow.

Process for requesting a credit limit increase

Once you are armed with knowledge of your credit score and payment history, you can request a higher credit limit. Luckily, there are a few different ways to get a higher credit line from Chase.

Automatic credit line increases

Occasionally, Chase might increase your credit limit without you putting in a request. The issuer regularly reviews your account and might offer a boost just for making on-time payments and using your card responsibly. Unfortunately, there is no guarantee you’ll see such an offer, and Chase does not publicize a timeline for when your account might be reviewed.

Targeted offers online

Not every cardholder has the option to request a credit line increase for their Chase card online, but you might be able to score a targeted offer. You can log in to your account here to see if you have any current offers from the bank.

If you don’t receive a targeted offer, however, you’ll have to complete your credit limit request over the phone. Keep in mind that just because you don’t have a targeted offer does not mean you won’t be approved, as Chase seems to extend such offers on a relatively limited basis.

Calling customer service

The final and most common way to get a credit limit increase with Chase is to call the number on the back of your card and request one. You should be prepared to make a case for why you deserve the increase.

The representative will likely ask you why you need more credit, so have all the information you gathered beforehand ready to go. Mention any changes to your situation that might warrant a higher credit limit – such as a raise in your income or a balance you’d like to transfer. You can also leverage your positive history with Chase – such as how long you’ve been a customer and your reputation for on-time payments – to better make your case.

In your discussion, stay away from requesting a credit limit increase that will result in you taking on more than you can pay off.

If the customer service representative believes you can qualify for a higher credit limit, they will probably pull your credit report to review your eligibility. You should prepare for a hard pull to your credit, which can result in the loss of a few points from your score.

If your request for a credit limit increase is denied, don’t fret

Even after making your case for a higher credit line, Chase still might deny your request. But don’t worry, there are few consequences to being denied for a credit limit increase – especially if they didn’t pull your credit report. Ask the customer service representative why you weren’t approved and begin to better your chances for next time.

  • Work to slowly improve your credit history by making payments on time and paying off your balance in full whenever possible.
  • Pay down any balances on other cards, to improve your credit utilization overall.
  • Use the card regularly, as Chase may be hesitant to increase the limit on a card you don’t pay with often.
  • Update your income on the Chase website.
  • Consider asking during a different time of year. A TransUnion study showed that credit limit increases are more common between January and May.

See related: Credit line increases most likely to happen early in the year

Pros and cons of a higher credit limit

If you are still deciding if requesting a credit limit increase is right for you, here’s a quick look at some of the pros and cons of taking advantage of this option with Chase.


  • You can lower your credit utilization and boost your score.
  • You’ll have more flexibility to finance large purchases over time.
  • You’ll unlock the ability to put more spend on the card to earn more rewards.


  • A hard pull to your credit can briefly reduce your score.
  • It can be tempting to take on more than you can afford to pay off if you have a higher limit.
  • A hard credit pull can limit your ability to qualify for top interest rates on loans and mortgages.

Final thoughts

Whether you are trying to boost your credit score by lowering your utilization, finance a large purchase a little higher than your current limit or transfer a balance to a card with a lower APR, requesting a credit limit increase from Chase can be a great move. Nevertheless, you should do your research and carefully consider why you want a higher limit before you make the call. You don’t want to tempt yourself into taking on debt.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

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