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Increase Credit Limit

Increase Credit Limit

Are you stuck with a low credit limit? Request a higher limit using DoNotPay.

Did you know that there are several benefits to having a higher credit limit, beyond just being able to spend more? Not only will you have to worry less about maxing out your balance and paying fees, but a higher credit limit can actually improve your credit score.

Pros of having a higher credit limit:

  • Reduce risk of spending beyond the credit line and incurring fees/damage to credit score

  • Decrease your overall credit utilization (calculated as spending/credit limit) which improves your credit score

  • Enable larger purchases/emergency funds

💡 As you can see, it's almost always better to have a higher credit limit.

How can you solve the problem on your own?

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.

How Can DoNotPay Help?

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.

  1. 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.

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

  3. 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.

  4. 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.*