To get an American Express Blue Cash Preferred credit limit increase, log in to your Amex account and click on “Account Services,” then “Credit Management.” Next, click “Increase Line of Credit,” then fill in the 4-digit security code on your credit card, your desired increase amount and your annual income. Finally, submit your request. Alternatively, you can call American Express at 1-800-528-4800 and ask a representative for an increase. You’ll need to provide the same information you would online.
The soonest you’re able to request an American Express Blue Cash Preferred credit limit increase is 60 days after you open your account. However, your odds of approval will be best if you have made at least 6 consecutive months of on-time payments on the account. Whether you’re approved or denied, a credit limit increase request will usually not impact your credit because most of the time Amex only does a harmless soft credit inquiry. If they need to do a hard pull of your credit, which will drop your score by a few points, they will ask your permission first.
If your American Express Blue Cash Preferred credit limit increase request is successful, you will need to wait 6 months before requesting an additional increase. If it is denied, you can make another request after 90 days.
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