6 Expert Tips → How to Increase Credit Limit (Chase)

6 Expert Tips → How to Increase Credit Limit (Chase)

credit card advice

Ashley Dull
By: Ashley Dull
Updated: August 13, 2018
Opinions expressed here are ours alone, and are not provided, endorsed, or approved by any issuer. Our articles follow strict editorial guidelines and are updated regularly.

JPMorgan Chase & Co., known simply as Chase, is one of the most popular major credit card issuers in the world, thanks in no small part to its diverse offering of rewards credit cards.

Here are a few simple ways to request an increase on your Chase credit card(s):

Call or Login Online  | Choose a New Card | 6 Tips from Experts

1. Call or Do it Online

1. To reach a Chase credit analyst over the phone, call 888-245-0625.

2. To request and increase via your online Chase account, click here.

Screenshot of Chase's login.

Obtain an answer instantly on Chase’s online portal.

Just sign in with your user ID and password, or create an online account if you haven’t done that yet. To create a new account, you’ll need your social security number, credit card number, and a phone number or email address.

2. Choose a New Chase Credit Card

One way to obtain an increase is to request a new Chase card with a higher limit than your existing card. You may even be able to reallocate a portion of the new credit amount to the card you originally wanted increased as well. Here are some of the best Chase high-limit cards currently available:

EXPERT'S RATING

★★★★★
5.0

OVERALL RATING

5.0/5.0
  • New Offer! Double Cash Back: Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
17.24% - 25.99% Variable
$0
Good/Excellent

EXPERT'S RATING

★★★★★
5.0

OVERALL RATING

5.0/5.0
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
17.24% - 25.99% Variable
$0
Good/Excellent
Ink Business Cash℠ Credit Card Review

at the issuer'ssecure website

EXPERT'S RATING

★★★★★
4.9

OVERALL RATING

4.6/5.0
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 12 months
N/A
15.49% - 21.49% Variable
$0
Good/Excellent

+ See more Chase credit cards

3. Read the “6 Expert tips” for Increasing Limits

If you decide to contact Chase by phone about increasing your limit, we highly recommend you learn the ins-and-outs of credit limit increases before doing so. Here is a collection of tips from a credit card expert:

You’ll learn whether or not you’re prepared to request an increase, what to say and what not to say, the information you’ll need to provide, and more.

Photo credits: Chase.com