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How to Get a Credit Line Increase

6 min read

Last Updated: February 3, 2026

Table of contents

Key Takeaways

A higher credit limit may help you make bigger purchases, cover unplanned costs, and keep your credit usage lower.
Factors like your income, credit history, and employment may affect your eligibility for a credit line increase.
If you have a Discover® Card, you may request a credit limit increase online or over the phone.

Your credit limit is the maximum balance you may carry on your credit card before you have to pay it down. When a card issuer increases your credit line, that means your credit limit goes up, allowing you to charge more on your credit card.

A higher credit limit may boost your spending power and help you make more expensive purchases. And when you use your card responsibly, increasing your credit line may even help you build a strong credit history. If your credit score and financial situation have improved since opening your card, you may have a better chance of qualifying for a higher credit limit.

What are the benefits of a credit line increase?

A credit line increase gives you more financial flexibility and may even help your credit score.

More spending power

A higher credit limit means more spending power, which makes it easier to finance big purchases with your credit card. Are you planning to buy furniture, replace an appliance, or renovate your home sometime soon? It may be easier to cover a large purchase with a higher credit line. If you’re shopping with a cash back credit card, you may also earn more rewards.

Extra emergency funds

A higher limit may be especially handy in an emergency. For example, you might be able to use your credit card to pay for unplanned costs, like a car repair or a last-minute plane ticket to visit a sick family member. Having more credit available than you usually spend may provide a financial cushion when you need it most.

A potentially higher credit score

A credit line increase may improve your credit score by decreasing your credit utilization ratio.

Your credit utilization ratio is the percentage of your available credit that you’re using at one time. While high credit utilization may indicate to lenders that you’re overly dependent on credit, a low credit utilization ratio suggests that you’re managing your balances responsibly. When you increase your credit limit, you might bring down your credit utilization ratio by boosting your available credit, as long as your credit card balance doesn’t increase. The lower your credit utilization ratio, the better for your credit score.

Stronger credit may help you access more credit offers, lower interest rates, and more.

Did you know?

If you want additional credit and you want to earn extra rewards, you might want to apply for another credit card instead of a credit limit increase. Look for a card with a rewards program that complements your existing credit card.

See if You're Pre-Approved

How to qualify for a credit line increase

Credit card issuers may evaluate several factors to decide whether you qualify for a credit increase. The following tips may improve your chances of receiving a higher credit limit.

Avoid too much debt

Credit card issuers may want to make sure you have the resources to manage higher credit card payments before increasing your credit line. Your debt-to-income ratio, which measures your total monthly credit card and loan payments against your income, helps lenders gauge your capacity for a higher credit limit.

If your debt eats up a large part of your income each month, you may want to work on paying off loans or credit card balances before requesting a credit line increase.

Make on-time payments

You may have an easier time getting a higher credit limit if you have a strong on-time payment history. If you frequently pay late or have any missed payments, creditors may see you as too high-risk for a credit increase.

Build positive credit history

If your credit score has gone up since you initially opened your credit card account, it may be easier to qualify for a credit line increase.

Maintain steady employment history

A credit card issuer may be more likely to offer you a higher credit limit if you’re steadily employed because it suggests you’re financially stable. A positive change in employment, like a promotion or higher salary, might also improve your odds.

How to request a credit limit increase

Sometimes, your credit card issuer may automatically increase your credit limit. An automatic credit line increase may happen on an account you’ve had for a while, particularly if you've been paying on time, keeping your balance low, and maintaining a positive credit history.

If you want a higher credit limit but haven’t received an automatic increase, you may also request one from your credit card issuer. Many credit card companies have a clear process for cardmembers to request more credit. You may need to provide information about your annual income and any rent or mortgage payments that you make. When you request a credit line increase, some card issuers may conduct a hard credit inquiry, which appears on your credit report and may temporarily affect your credit score.

Discover^® Cardmembers may request a credit line increase on the Discover mobile app or online portal by going to “Services” and selecting “Credit Line Increase.” You may also request a higher limit over the phone.

Learn More

If your credit card issuer approves your request, you may see the new credit limit reflected in your next billing cycle.

If the card issuer declines your request, you may receive a written explanation. Discover automatically sends a letter outlining the reasons for rejecting a credit line increase request. In some cases, you may need to work on improving your credit score before trying again.

How much can you increase your credit card limit by?

You may not be able to set the amount of your own credit line. Every credit card issuer has its own criteria to determine your credit card limit and may have different ways of evaluating your credit report and financial background to come to a decision.

How much can I increase my credit limit with a secured card?

If you have a secured credit card, some credit card issuers may allow you to increase your credit limit by adding to your security deposit. Credit card companies often set a maximum credit limit when you open a secured credit card account, but your actual credit limit is typically the amount of the security deposit you paid. You may be able to increase your credit line if it remains under that limit.

If you use your secured credit card wisely, you may have an easier time increasing your credit limit and qualifying for an unsecured card later.

The bottom line

Getting approved for a higher credit limit means getting more spending power, but it also means having more responsibility. A good rule of thumb for managing credit wisely is to spend only what you can afford to pay off in a month. Carrying a balance month to month is how you start to accumulate interest charges.

Before requesting a credit line increase, consider the possible benefits and what you can realistically afford. If you have a good credit score and practice good credit management habits, extending the limit on your credit card may help you meet your financial goals.

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