💰A Higher Limit Without Hurting Your Score

May 28, 2025

Need more spending room—but don’t want to wreck your credit score?
Good news: You can ask for a credit limit increase without triggering a credit hit. You just have to do it the right way.

Here’s how to keep your credit score happy while getting the increase you need:

Why increase your limit?

Lowers your credit utilization (which helps your score)
Gives you more flexibility for big purchases
Can unlock better perks and rewards

When to ask:

After 6–12 months of responsible use
After a raise or improved credit score
When your account is in good standing

But first—ask this question:

“Will this request trigger a hard or soft inquiry?”
A soft pull = no credit score impact. Always ask before proceeding.

How to request it:

Log into your account or call customer service
Be ready to share income, employment, and housing info
Start with a reasonable ask—10–25% more than your current limit

What if you get denied?
No worries—it doesn’t hurt your score. Just ask why, wait a bit, and try again. Or consider other options like paying down balances or applying for another card.

Final tip:
A higher limit doesn’t mean you should spend more. Keep balances low, use auto-pay, and stay consistent.

Don’t forget, you can increase your credit easily here and check out our favorite credit cards here.

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