How do I increase my Chase spending limit? You can request an increase in Chase credit over the phone by calling (800) 432-3117. You cannot currently apply for a credit line with Chase online, but this option was available in the past. When you call, all you need to do is provide some information about your income, debts, other open credit accounts, and anything else Chase happens to ask for more information about. Chase can either approve you immediately or notify you of its decision within a few weeks (by post and/or email). If you’re approved for a higher limit, the change will take effect immediately and should be noted on your next statement.

In general, to be eligible for a Chase credit limit increase, you must pay your bill on time for at least six consecutive months and otherwise manage your finances responsibly. You should also aim to use only a small portion – 30% or less – of your current credit limit. Making sure your income on your Chase.com account is up to date can also help.

And just to be clear, requesting a Chase credit line increase will result in a hard examination of your credit report. That means it can lead to a slight, temporary dip in your credit score. But that shouldn’t really matter unless you plan on applying for a mortgage or car loan in the coming months.

  • By Phone: Call Chase Customer Service at (800) 432-3117. Enter the last four digits of your card number, followed by your zip code. Press “0” to speak to a customer service representative.
  • Automatic Increase: Chase may offer you a higher limit if you use your account responsibly. To check, log into your Chase.com account, click the menu icon in the top left corner of the page, and select “Your Offers.”
  • Online: Chase does not currently allow you to apply for a higher credit line online. In the past, you could log into your account on Chase’s credit limit increase page, fill out the form and make an instant decision.

It’s also worth noting that you can always apply for a new credit card from another issuer if you don’t get the decision you’re looking for. The issuer’s desire for new business may lead him to be more generous than Chase.

Frequently Asked Questions on How do I increase my Chase spending limit?

How often does Chase increase my credit limit?

Chase will often automatically increase your credit line approximately every 12 months, but an increase is never guaranteed.

Will Chase withdraw my credit if I request a credit limit increase?

Yes, if you request an increase in the credit limit, your credit will be heavily taxed. This can lead to a slight temporary drop in your credit score.

Why isn’t Chase increasing my credit limit?

There are a few reasons Chase may not increase your credit limit. First, if you’ve been a customer for 6 months or less, your chance of a raise is nil.

Second, if you’ve had late or partial payments in the past, Chase won’t be inclined to renew your credit. Once you start using your credit more responsibly (by paying your bill in full on time each month), you can try again to request a credit limit increase.

Would Chase ever lower my credit limit?

Yes, it can happen. However, if you use your credit responsibly and pay your bills in full and on time each month, this shouldn’t be a problem.

One of my Chase credit cards has a high limit that I never use. Should I lower the limit?

In general, it’s not a good idea to lower your credit limit, even if you’re not using it. Part of your credit score is based on your occupancy rate, the percentage of your available credit that you actually use. This number must be less than 30%.

Let’s say you have a balance of $2,000 on a card with a $10,000 credit limit. Your occupancy rate would be 20%, which is good. If you lower your credit limit to $7,000, the same $2,000 balance would give you nearly 30% usage, which can negatively impact your credit score.

Can I increase my Chase credit limit without taxing my credit heavily?

No, if you request a credit limit increase from Chase, your credit will be heavily taxed. However, if Chase automatically increases your limit (as periodically), there will be no heavy pressure on your credit.

Can I increase my Chase credit limit with a soft pull on my credit?

No, if you request a credit limit increase from Chase, your credit will be heavily taxed.