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Also, opening a new account can also affect your credit scores by reducing the average age of your accounts. Remember, though, that applying for a credit card typically results in a hard inquiry. Adding a new Chase credit card to your wallet isn’t the same as increasing your limit on an existing card, but getting approved for a new card would increase your overall available credit. If you have a good track record with your credit, you may be able to get approved for a new card. This hard inquiry can lower your credit score, if only temporarily.

It’s important to note that when you apply for a credit limit increase, the card issuer will typically run a hard pull on your credit reports to determine the strength of your credit. The bank will review your account, credit history, income and other factors to determine whether you’re eligible. If you don’t want to wait for an offer and are hoping to get a credit line increase from Chase, you can call the number on the back of your card and request one. If you’re relying on Chase to increase your credit limit on its own, you may end up waiting a while - the bank doesn’t disclose how often it evaluates accounts. Whether you’re hoping to increase your available credit with Chase to get more buying power or working to boost your credit scores, here are three ways you may be able to get a higher limit on your Chase credit card. Working on your credit?Ĭheck My Equifax® and TransUnion® Scores Now 3 ways to get a higher limit on a Chase credit card If you’re consistently bumping up against your current credit limit because you’re spending more than you can afford to pay back every month, increasing the limit could push you deeper into debt, which can do more harm than good. It’s also important to think about the potential downside of increasing your credit limit with Chase. For example, do you want to pay off a large purchase over time but not have enough available credit? Or are you hoping that more available credit will help improve your utilization rate and boost your credit scores? Take some time to consider why you’re hoping to get a credit limit increase on your credit card. Why do you want to increase your Chase credit limit? Think about that before you call so you’re prepared with a number based on your situation. If you call Chase and request a higher credit limit, the customer service representative might ask what you want as your new limit. What do you want your new credit limit to be?

On your monthly statement, it’ll be in the account summary section. If you’re looking online, open the card details - you’ll be able to see it directly under your current balance. Find out what your current Chase credit limit isĬardholders can see their current Chase credit limit by logging into their online account or mobile app, checking their monthly statement or by calling Chase customer service. Understanding your current Chase credit limitīefore you call Chase to ask for your credit limit to be raised, it’s important to understand your current financial situation and determine whether it’s a good idea.

Next steps: What to do if Chase denies your request.

3 ways to get a higher limit on a Chase credit card.

Understanding your current Chase credit limit.

Working on your credit?Ĭheck My Equifax® and TransUnion® Scores Now Here’s what you should know and what to expect about the process. There are a few ways to increase your credit limit with Chase. If you can qualify for a credit limit increase on one of your credit cards, it could lower your utilization rate, which could help increase your scores. Your credit utilization rate, or how much of your available credit you’re using at a given time, is an important factor in determining your credit scores. Getting a credit limit increase on a Chase credit card gives you more spending power and might also help improve your credit scores. Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can. That's why we provide features like your Approval Odds and savings estimates. But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you.

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The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials.Ĭompensation may factor into how and where products appear on our platform (and in what order). The offers for financial products you see on our platform come from companies who pay us. We think it's important for you to understand how we make money.