How to Get a Chase Credit Line Increase: The Ultimate Guide to Raising Credit Limits with Chase


If you currently have a Chase credit card, you may be interested in raising your credit limit. Maybe you have an upcoming large purchase, or maybe you’re looking to improve your credit score by reducing credit utilization. Whatever your reasoning, this guide will show you how to get a Chase credit line increase easily!

chase credit line increase

We will cover some general information on how credit line increases work, tips to get approved, and some specific strategies that work well with Chase Bank.


How to Get a Chase Credit Line Increase

When it comes to Chase specifically, here’s how to go about raising your credit limit. There are two ways to request a line increase:


To request a Chase credit limit increase online, head to this link on Chase’s website. You will need to log in, and then you can check if you have any existing offers for a line increase. This process is automated, so you should be able to know if you’ve been approved for an increase or not very quickly. In some cases, a Chase representative will call you to gather some more information.

If you don’t see an offer on your online account after following that link, you will need to call in to request a manual credit increase.


To raise credit limit with Chase over the phone, simply call the number on the back of your credit card. Tell the representative that you would like to increase your credit limit, and you will be transferred to the appropriate department. You can also try calling the credit analyst department directly at 888-245-0625.


5 Tips for Raising Your Credit Limit (with Chase or any other bank)

  1. Wait for an automatic credit limit increase 

Many credit issuers will automatically raise credit limits over time, if the customer demonstrates responsible use of credit and on-time payments. These automatic increases generally do not result in a pull to your credit, so they don’t have the same impact on your credit score as a manual request will. If you have the patience, waiting for an automatic increase is worthwhile.

2. Prepare for the call

Before you call in to request an increase, you want to prepare some things. First off, you’ll want to have a good reason for requesting the increase. Some good reasons include building credit and preparing for emergency situations. It’s also helpful to tell the rep why you think you deserve an increase (X months of on-time payments, customer for X years, etc.)

3. Be kind and respectful

When you make the call, treat the representative with kindness and respect, and you’ll get better results. This should go without saying! The rep you talk to has the power to approve or deny your request, so it’s important to stay on their good side and be respectful.

4. Request a reasonable increase

When you make the call, you may be given the opportunity to state a specific dollar amount that you would like to have your limit increased by. If this happens, have a number in mind, and keep it reasonable. In general, credit increases of 10-25% are fairly standard. It’s best to not request too much more than that.

5. Use credit responsibly

Before requesting an increase, you must prove to the issuing bank that you are worthy of the extra trust. This means you need to show a reliable and responsible credit use history. In other words, you need a history of on-time payments, reasonable credit utilization, etc. If you can’t demonstrate this responsibility, you are unlikely to be approved for a line increase.


What is a Credit Line Increase? How Do They Work?

What is a Credit Line Increase

A credit line increase is the raising of a credit limit on an existing credit account. Generally the term refers to increases on credit cards, but it could also apply to lines of credit, personal loans, etc. A credit increase can be requested on an existing credit account. It involves contacting the issuing bank to ask for your limit to be raised. If approved, the bank will raise your existing credit limit. The amount of the increase will depend on your creditworthiness, income, and other factors.

Keep in mind that if you request a manual credit line increase, your credit will most likely be pulled. This can have a temporary negative effect on your credit score. In this way, applying for a credit increase is similar to applying for a new credit card.

Automatic Credit Increases

Credit increases can also happen automatically. Some banks reward responsible credit use and payment history by automatically increasing your limit over time. Chase does do automatic credit line increases for some products, which can happen every 6-12 months if you use the card responsibly. So, you may find that you get an automatic credit line increase with Chase. If not, you’ll have to contact the bank – keep reading for tips on how to get the best results.


Opening a New Credit Card (Alternative to Credit Increases)

There is another alternative to raising your credit limit that’s worth considering, and that’s opening an entirely new credit card. In many ways, this accomplishes the same goal as a line increase, as it gives you access to more credit than you had previously. There are pros and cons to this approach, outlined below.


  • Wider choice of options (you can get a card with useful perks for you)
  • If approved, you’ll have access to more credit
  • Many credit cards come with signup bonuses
  • Credit limits on new cards may be even higher than any credit line increase you would be offered


  • Opening a new account will lower your average age of accounts, which could impact your credit score
  • You may or may not be approved for a new card
  • It can sometimes be more difficult to be approved for a new card vs. a line increase

If you do decide to go this route, check out our list of the best credit cards available today.


That’s all you need to know about how to raise Chase credit limits. If you have any questions, don’t hesitate to leave a comment below!


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