12 Credit Limit Increase

Hacks

1 Spend More
Credit card issuers want to see high
spending on their cards. Spend at least
30% of your current available credit
limit, for 3-4 consecutive months.

Transfer a Balance 2
Move debt from another card to the
card you're trying to grow. Especially if
there's a 0% apr period. This helps put
a ton more spending on the card
instantly.

3 Product Change
Exchange your current card for a different
card in your bank's lineup. Usually an
upgrade. Combining this with other
strategies is proven to be effective.

Manual Request 4
Request for limit increaeses as much
as you can. Possibly every 31 days, but
3-6 months for most cards. Always
verify that it will just trigger a soft
credit pull. (bank specific)

5 Direct Deposit
Deposit your paycheck to build a
deeper relationship with your bank.
Deposits tend to limit risk for the bank
since they know you have the money
to pay your bill.

Loans 6
Use thier laon products whenever possible.
Only when they make sense for you. That
includes auto, home, and personal loans.
This gives more indicators that you're a
strong borrower.

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 7 Raise Your Income
Show every souce of income you have
on applications. Add the income of
anyone person that shares money with
you to pay bills(must be 21). Most
people can easily 2X their income this
way.

Increase Other Limits 8

Always request higher limits on every
card. The bank will use those limits to
help determine yours. Your credit limits
will tend to even out over time.

9 Add Authorized Users

Add at least one person to your account
during every application. More cardholders
means more spending and the bank loves
that.

Reallocate Limits 10
Shift your credit limit over to the card
that you use the most. This is a
workaround that gives you the ability
to essentially choose your limit.

11 Use Targeted Offers

Fulfill any offers that show up in your
email inbox. This could be a spending
or app usage challenge. The bank will
see you as valuable compliant
customer.

Apply With Purpose 12

When filling out the application always
say that you're employed, you'll use at
least 30% of the credit limit, state that
your expenses are going up, and ask
for the limit you really want.

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