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Chase Line of Credit Increase: How and When to Apply

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Asking for a credit limit increase on a credit card isn’t a smart financial move for everyone, but it can benefit some cardholders. An increase in credit line can often improve a cardholder’s credit utilization score while providing more purchasing power in case of large unexpected expenses.

Here’s how to request a Chase line of credit increase and when a cardholder should and shouldn’t consider an increase.

How to Request a Chase Line of Credit Increase

Unlike some card issuers, Chase does not currently allow cardholders to apply for a line of credit increase online. A cardholder must call Chase. Cardholders can call the number on the back of their Chase card to speak to a Chase representative.

Those requesting a raise may need to provide personal information before a request can be considered, including income and employment information, their monthly rent or mortgage amount and other details. personal. Chase may also request the cardholder’s desired increase amount. Cardholders should not request more than they can responsibly handle.

Some requests for increased line of credit may be approved immediately, but others may take up to 30 days before a decision is made.

Will Chase automatically increase a cardholder’s credit limit?

Chase may periodically review accounts and automatically increase the credit limits of eligible cardholders.

A cardholder’s payment history, credit score, debt-to-equity ratio and other factors will often determine eligibility. Some card issuers may not automatically increase credit limits for accounts that have not been opened for six months or more.

How can a cardholder improve their chances of receiving a line of credit increase?

A Chase credit cardholder can increase their chances of receiving a credit limit increase by:

  • Establish a history of on-time payments
  • Pay more than the monthly minimum payment
  • Report any revenue increases to Chase
  • Maintain a good credit rating and good credit utilization ratio

Those who have been denied a previous raise request can become eligible by following the steps outlined above.

When to Consider a Line of Credit Increase

Not everyone who needs a line of credit increase should get one. For some, this could make a bad financial situation even worse. However, cardholders who meet most or all of the following criteria may consider an increase.

Have a specific need for the increase in the line of credit

A credit limit increase can positively or negatively impact a cardholder’s credit rating, so a cardholder should only consider one if they have a specific need. The main reasons for requesting a credit limit increase include:

Have good to excellent credit

Those with good to excellent credit are probably already in the habit of making more than minimum payments and not charging more than they can afford to pay. Chase is more likely to grant a request for a raise to those with these good credit habits. Maintaining these habits after an increase will help ensure that an increase does not hurt the cardholder’s credit rating.

Any cardholder considering an increase in their line of credit should determine their credit score before applying. A Chase cardholder can get an estimate of their credit score using the online Chase Credit Journey score simulator or with the Chase mobile app.

Have recently received an income boost

A cardholder who has received a raise or taken a better paying job should be better able to manage additional credit, even if they are borrowing against it.

However, even with increased income, a cardholder must be careful not to overcharge and find themselves unable to meet minimum monthly payments. It is always better to pay more than the minimum.

Have a record of on-time payments

Cardholders with a history of late payments shouldn’t risk further damage to their credit score by asking for more credit than they can handle. If current payments are difficult to make, larger payments will only be more difficult. However, cardholders with a good payment history will likely be granted a credit limit increase, provided they meet other Chase requirements.

Cardholders who have taken a pay cut, been denied a new line of credit, or have a less than good credit rating should wait to request a line of credit increase until their situation financial is improving.


Before applying for a Chase line of credit increase, cardholders should carefully assess their financial situation and credit score to determine if an increase makes sense. If possible, those with poor credit or a high debt-to-equity ratio should take steps to improve their financial situation before considering a request for a raise, as they will likely be denied.

Cardholders with good credit who need a credit limit increase can quickly request one by calling Chase at the number on the back of their card.

Some card issuers may perform a credit score extraction when evaluating a line of credit increase. A blow could temporarily negatively impact a cardholder’s credit rating.


Here are quick answers to some common questions about Chase credit card credit limits.

  • How do I request a credit limit increase with Chase?
    • To request a credit limit increase from Chase, a cardholder can call the number on the back of their card and speak to a Chase representative.
  • Why wouldn’t Chase increase a credit limit?
    • Chase may not approve a request for a credit limit increase if the account is new, if the cardholder has a high debt ratio or bad credit, if the cardholder has a history of payment or if the cardholder’s income has decreased.
  • What is the maximum credit line for Chase?
    • Chase does not have a maximum line of credit. Chase determines credit limits per cardholder. Like most card issuers, Chase may consider a cardholder’s credit rating, payment history, income, account age, and other factors.

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About the Author

Andrea Norris has worked in the web publishing industry for 15 years, both as a content contributor and editor specializing in topics related to personal finance, frugal living, home and automotive . She writes short and long content and is well trained in SEO keyword research and writing.