How to Increase Your Credit Limit With Chase

Updated: July 2, 2024

Updated: July 2, 2024

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A credit limit increase (CLI) gives you increased spending power and more leeway to keep your credit utilization ratio in check. Chase credit limit increases may happen in two main ways. One is when the bank decides to boost your credit line on its own, and the other requires you to request an increase.

If you request a credit limit increase, you can expect Chase to carry out a hard inquiry, which can temporarily cause a dip in your credit score. If Chase denies your CLI request, find out why and follow remedial measures to correct the situation. Once you do, you may request a credit limit increase again. Alternatively, you may consider applying for a new card.

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MoneyGeek’s Takeaways

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Chase may increase your card's credit limit on its own.

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You might qualify for a Chase CLI through a targeted offer.

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You may request a credit limit increase on your own.

How to Increase Your Credit Limit With Chase

As with most other credit card providers, there are different ways to get a credit limit increase for your Chase card. In some cases, Chase provides automatic credit limit increases to its cardholders. It also gives you the ability to request an increase over the phone. Unfortunately, Chase does not currently accept online credit limit increase requests.

Chase’s Automatic Credit Limit Increase

Chase checks its credit card accounts periodically to send targeted marketing offers. If you’ve maintained a Chase credit card for a while, have made all your payments on time and have a good or excellent credit score, Chase may offer an automatic credit limit increase. If this happens, you will receive notification via a letter or on your credit card statement. An automatic CLI typically results in a soft credit inquiry.

Chase may consider your account for an automatic CLI in as little as six months, although this may also extend to 12 months. For instance, Chase states that Slate Edge cardholders might qualify for an automatic increase in their credit limits by spending at least $500 in the first six months and making payments on time.

Irrespective of how good your credit score is and how well you manage your Chase credit card, there is no guarantee of an automatic Chase CLI. As a result, if you have held your card for a year or more, you may consider requesting a CLI on your own.

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It’s a good idea to update any increase in your income with Chase, as it increases the odds of getting an automatic credit limit increase. The higher your income is, the more likely you are to be approved for an increase in spending power. — Lee Huffman, credit card expert at

Call Chase to Request a Credit Limit Increase

You need to call Chase to request a credit limit increase because it does not accept online requests. You may call the number on the back of your Chase credit card. Or you may also call Chase Customer Service at 1-800-935-9935.

When you request a Chase credit limit increase, the customer service agent may ask questions about your finances. Expect to answer questions about why you want the increase, your existing financial situation, your current employment status and your creditworthiness. This information helps Chase determine whether or not to approve your request. Depending on the specifics of your situation, you may receive Chase’s decision immediately, or you might have to wait for up to 30 days.

When you request a credit limit increase, Chase may initiate a hard credit inquiry. A hard inquiry is when a lender pulls your credit report from one of the top three credit bureaus. This will cause your credit score to drop by a few points in the short term, but if you handle your credit in a prudent manner, the impact will be temporary.

Making the Call

It helps to have the reasons for your CLI request in place before you make the phone call. Besides, it’s crucial that you emphasize why you deserve the increase as opposed to why you need it. For instance, if you've been a longstanding Chase customer and have always made your payments on time, this is something you may want to mention at the very beginning. This is also the case if you’ve received a recent promotion or a pay hike. Being well-mannered and respectful during the call is the obvious way to go.

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You may contact a Chase customer service representative in different ways.

  • Call the number on the back of your credit card.
  • Call Chase customer service at 1-800-935-9935.
  • Schedule an online meeting.
  • Send a message through any of Chase's social media accounts.
  • Visit your local Chase branch.

Open a New Chase Account/Credit Card

Getting a new Chase credit card adds to your overall credit limit. This may help improve your credit utilization ratio and, thereby, your credit score. Your credit utilization ratio refers to the amount of credit you’ve used from your total available credit.

For example, if the total combined credit limit through all your credit cards is $10,000 and you’ve used $5,000, your credit utilization ratio is 50%. This number should ideally remain below 30%. If your new Chase card comes with a $5,000 credit limit, your total available credit increases to $15,000. If you don’t add more debt, your credit utilization ratio drops to 33%.

You may expect your credit score to drop slightly when you apply for a new Chase credit card because the bank carries out a hard credit inquiry. However, the negative effect is temporary, especially if you maintain healthy credit habits.

Types of Chase Credit Cards

Chase offers a wide array of credit cards designed to meet various needs. The different types of cards you have to choose from include travel cards, rewards cards, cash back cards, balance transfer cards and student cards. Its travel cards come in the form of co-branded and non-co-branded cards that earn points and miles while offering benefits catering to frequent travelers. Several of its cards also qualify as no-annual-fee cards.

The credit limit you might qualify for through your new card depends on your creditworthiness, your income and any predetermined card-specific minimum/maximum limits.

The Chase 5/24 Rule

Chase follows an unpublished rule that limits your ability to get a new Chase card based on how many cards you’ve received in the preceding two years. According to this rule, Chase will reject your application if you’ve opened five or more credit card accounts in the last 24 months. This applies to cards from any issuer, not just from Chase. However, since most business cards are not part of your personal credit report, they don’t factor in this rule.

Additionally, some Chase credit cards limit bonus eligibility if you have a similar card open or have received a bonus from that card in the last 24 to 48 months.

>> More: Best Chase Travel Credit Cards
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If you have multiple credit cards from Chase, you may be eligible to transfer your credit limits from one card to the next. This is a good way to keep your utilization low if you concentrate your spending on a specific card. — Lee Huffman, credit card expert at

What Are the Benefits of Having a Higher Credit Limit?

If you get a credit limit increase, you may see an improvement in your credit score. However, this is only the case if you handle your available credit in the right manner and do not build excessive debt.

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    Higher purchasing power

    An increased credit limit brings with it higher purchasing power. This gives you more flexibility in using your credit as well as the ability to maintain or lower your credit utilization ratio.

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    Improved credit score

    When you get a credit limit increase, there is a corresponding increase in your total available credit. This helps lower your credit utilization ratio, which, in turn, has a positive effect on your credit score.

When Should I Request a Credit Limit Increase?

If you’ve not had your Chase card for a while, you might not qualify for a credit limit increase, and it is best that you wait at least six months after getting your card before requesting one. Asking for a CLI if you get a raise might work well for you, and the reverse may be true if there has been a dip in your income.

It’s important that you look at your credit score before requesting a CLI. This is because the odds of approval improve if you have good or excellent credit. If you have average credit, you might want to improve your credit score before you request an increase. Bear in mind that Chase, like other card issuers, has been known to reduce credit limits in some instances.

Factors That Determine Credit Limit Increases or Decreases


  • Your salary has increased.
  • Your credit score has improved.
  • Your credit utilization ratio is low.
  • You make timely payments.
  • You asked for an increase.


  • You’ve made one or more late payments.
  • You have a high credit utilization ratio.
  • You have average or poor credit.
  • Your income has been reduced.
  • You use your card sparingly.
  • There’s a judgment, lien or charge-off on your credit report.
  • There’s an error or more on your credit report.
  • You’re an identity theft victim.

It’s important that you take your financial situation and your ability to repay debt into account before you request a credit limit increase through Chase. This is because credit cards tend to come with high interest rates, and carrying balances from one billing cycle to the next can be an expensive proposition. This aspect requires your particular attention, given that around half of all credit card users in the U.S. maintain revolving balances in their accounts.

>> More: What Is a Credit Limit and What Factors Determine It?

Reminders Before Requesting a Credit Limit Increase

Ask yourself a few basic questions before you request a credit limit increase to determine if you should move forward. If you end up seeing more red flags than green signals, you might want to take corrective measures before requesting an increase.

What Is My Credit Limit, Credit Balance and Credit Utilization?

Take a look at your existing credit limit and the outstanding balance on your credit card account. The amount you owe plays a role in whether or not you might qualify for an increase. For instance, if you’ve already used $8,000 from your card’s $10,000 limit, Chase might not be inclined to increase its limit.

The amount you’ve borrowed from your total available credit limit has a direct bearing on your credit utilization ratio. With the same example of you having used $8,000 from your card’s $10,000 limit, your credit utilization ratio is 80%. For Chase to view your CLI request favorably, this number should ideally be at or below 30%.

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Create a spreadsheet that lists all your credit cards, their credit limits and their current balances to check your overall credit utilization ratio.

Learn more: How to Calculate Your Credit Utilization Ratio

What Is My Current Credit Score?

When you request a CLI, Chase takes a look at your credit report to arrive at a decision. As a result, it’s best that you check your credit score ahead of time. Chase credit cardholders and non-Chase customers may use its Credit Journey tool to check their Experian-issued VantageScore for free. Alternatively, you may view your VantageScore or FICO score for free by using different credit score review websites. Bear in mind that the better your credit score, the higher the odds of approval.

>> More: Does Requesting a CLI Hurt Your Credit?

How Much Credit Increase Should I Get?

Determine how much of an increase you want before you submit your CLI request. If your card’s existing credit limit is $10,000, you stand a better chance of getting Chase to increase it to up to $12,500 than to $20,000 or more. Typically, you should seek an increase of around 10% to 25% of your card's existing limit. Asking for too high a limit might raise doubts about your ability to repay and may result in the request being denied.

What to Do if the Request Is Denied

Chase might deny your CLI request based on your account history, creditworthiness or income. If Chase denies your request because of your credit score/history, you may expect to receive an adverse action notice that specifies the reason. If it denies your request based on any other factor, you may consider calling and finding out where you fell short. You may also ask Chase to reconsider your request, especially if you think Chase might have declined it erroneously.

Once you know the reason, you can take measures to fix the problem and then consider applying again. For instance, if you’ve already received a credit limit increase in the recent past, you might simply have to wait for more time. You also have the option of applying for a new credit card.

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Consider preparing for your credit limit increase by putting all purchases on the card in question and paying them off in time so that you don’t go overboard with your credit utilization ratio. Since every swipe earns Chase money, it might view a higher credit limit as a source of increased income.

Other Questions You May Have About Chase Credit Limit Increases

Does Chase increase my credit limit automatically?
Does Chase pull my credit when I request a credit limit increase?
How long should I wait for an increase?
How much of a credit increase should I ask for?
Would Chase ever decrease my limit?
How often can I request a credit increase?
Does Chase give temporary cards?

Next Steps

Compare Chase Credit Cards

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About Rajiv Baniwal

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Rajiv Baniwal is a former finance writer at MoneyGeek, with more than 15 years of experience covering financial topics. His expertise includes mortgages, loans, credit cards, insurance and international money transfers.

Baniwal has a bachelor’s degree in art studies from Delhi University.

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