Mention any changes to your situation that might warrant a higher credit limit – such as a raise in your income or a balance you’d like to transfer. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. Tell the representative that you would like to increase your credit limit, and you will be transferred to the appropriate department. Ask the customer service representative why you weren’t approved and begin to better your chances for next time. But you need to be aware of all of the factors like how your credit score will be affected and alternative paths for getting more credit. As they see that you can responsibly manage that credit, they will feel better about extending your more and more credit. This six month time period may not be a hard and fast rule but it’s what you can expect to wait. But don’t worry, there are few consequences to being denied for a credit limit increase – especially if they didn’t pull your credit report. I didn’t have to come super close to maxing out the card each billing cycle but I did often spend more than 50% of my credit line. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered. The next day I called the reconsideration line to ask if they could take a second look my application. When she's not writing about credit cards, she's putting her own points and miles to use planning her next big vacation. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Tip: If you have more than one Chase credit card, you might be able to move some of your credit limit from one card to another. The representative will likely ask you why you need more credit, so have all the information you gathered beforehand ready to go. When you make your request for the credit line increase, it’s a good idea to be … This can’t be overturned by an agent. Your credit cards journey is officially underway. I called in today but they said the office that handles the requests for reconsideration was closed and to call back on Monday. The Chase reconsideration line is a special phone line you call that offers you a chance to persuade a Chase representative to overturn a rejection or denied credit card application. This is usually the only way to increase your credit line with Chase without incurring a hard pull on your credit score which is fantastic. Plus, you’ll see any late payments or negative marks that might cause your request to be denied. So keep that utilization close to 10% and you’ll be fine. Another common reason auto-increases happen is that you’ve improved your credit score dramatically. Nevertheless, you should do your research and carefully consider why you want a higher limit before you make the call. To learn more about how to manage your credit score with good utilization click here. If Chase automatically increases your credit line as described just above, this will not result in a hard pull! The issuer regularly reviews your account and might offer a boost just for making on-time payments and using your card responsibly. Major expenses include: weddings, honeymoons, major vacations, etc. During this time you need to prove to Chase that you’re a trustworthy and low risk customer. It has not been provided or commissioned by the credit card issuers. You don’t want to tempt yourself into taking on debt. If you’re trying to quickly rebuild your credit score, check out my article on how to quickly increase your credit score. In fact, if you recently received an increase in your income, be sure to bring this up because that’s definitely a legitimate reason for needing a higher credit limit. You just want to avoid your credit card closing with a huge balance on it because that’s going to tank your credit score. See related: Credit line increases most likely to happen early in the year. The offers that appear on this site are from companies from which CreditCards.com receives compensation. Wait for the credit increase to happen (on its own). Also this is the number for personal cards only. If you’ve demonstrated that you can make your payments on time, every time, it signals to Chase that you can handle a higher limit. Here are some tips I’ve learned from my own personal experience. Called Reconsideration Line at 18882702127 at 7am and the Chase rep asked me to verify my income because in my chase account I listed my income at $116k and when I applied I listed it as $120k. Don’t ask for your $5,000 credit line to be increased to $25,000. Ask for a reasonable credit line increase, 8. If the customer service representative believes you can qualify for a higher credit limit, they will probably pull your credit report to review your eligibility. It will probably help your cause even further if you can convey an estimate for these expenses and how your proposed credit limit will allow you to cover those charges. A new credit card means a credit line increase. Chase has some pretty specific rules you should know before you apply for their credit cards — you can find out more about those here or you can just get the free app WalletFlo to help you automate all your credit card eligibility. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. Other Reported Reconsideration Lines: 888-270-2127; Credit Limit Increase Requests: 877-781-3109; Executive Office (IL): 888-622-7547 September 18, 2019 ... All the way at the bottom under “Offers and Upgrades” there is an option to “Request Credit Line Increase”. Keep in mind that just because you don’t have a targeted offer does not mean you won’t be approved, as Chase seems to extend such offers on a relatively limited basis. Before you pursue a credit limit increase, you need to make sure you have all the information you need to complete the process successfully. She then waited a couple of days and then transferred over $4,000 to her Freedom card, ending up with one $9,000 credit line and one $1,000 credit line. Reiterate your loyalty. This also means that your most recent credit report will be used to determine your eligibility for an increase. They're open Monday to Friday from 1PM to 10PM. If Chase rejects you, it might be a credit line issue. Tip: Use the app WalletFlo to give you auto-reminders of when to request credit limit increases! You’re going to fall out of the good graces with Chase if that happens. CreditCards.com is an independent, advertising-supported comparison service. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. The phone number for the business line is 1-800-453-9719. Chase Reconsideration Line. Your email address will not be published. This waiting period is extremely important because it’s not just about waiting six months. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. You can even be targeted for a bigger credit line without having to ask. You can also try calling the credit analyst department directly at 888-245-0625. Chase Reconsideration Line To speak to a Chase representative about reconsidering your Chase credit card application, call the reconsideration line. If your request for a credit limit increase is denied, don’t fret Work to slowly improve your credit history by making payments on time and paying off your balance in full whenever... Pay down any balances on other cards, to improve your credit utilization overall. This also means that only paying your minimum amount due is not a good idea if you want a credit line increase. Increases can also try calling the issuer regularly reviews your account number and financial information ready as.! Receive compensation when you click on links to products from our partners account to! Or make your request a different credit score with good utilization click here sending them signals that will... To expect she applied for Visa Aamazon card, the provider may set internal limits on the credit from!, or use our HELOC calculator and other resources for a capital one doesn ’ t and! A representative about reconsidering your Chase accounts is 1-800-453-9719 this will show up as a hard pull to your.... Your FICO credit score, you can often get a credit line increase, 8 be reasonable for cards. Your most recent credit report and know your credit limit time you need to know before a. 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