How do I request a higher credit limit?

In most cases, if you continue to use your card responsibly, your credit provider will likely increase your limit automatically. However, if you can't wait, you can always try asking them directly.

Most providers allow you to submit requests through your online account or by phone. But before you rush to submit a request, there's an important thing you should know:

💡 Credit limit increase requests CAN lower your credit score. Depending on the provider, if you file a request, they will perform a hard inquiry for your credit information which can lower your score by a few points. This can be a problem if you submit your request online, and there is no option to prevent hard inquiries.

Through DoNotPay's Credit Limit Increase product, we'll handle the request for you, and make sure your credit score isn't affected without your permission.

How does it work?

We'll ask you a few questions about your current card, income, employment status, and more, and send a formal request to your credit provider to ask for a limit increase.

Here's how you can get started:

1. Go to the Credit Limit Increase product on DoNotPay.

*2. Select which type of card you own and your credit provider.

3. Tell us more about your card, such as when you first created this card, your current credit limit, what you would like your new limit to be, your card number, and whether you've missed past payments.
   

4. Tell us more about your current income and expenses and why you would like to request a limit increase.
   

5. Indicate whether you want to allow hard inquiries to be made into your credit history. Upload a copy of your ID and provide your e-signature.
   

6. Submit your task! DoNotPay will deliver the request letter on your behalf. You should hear back from the card provider with confirmation or a request for more information within a few weeks.*