You can request a Blue Cash Preferred® Card from American Express credit limit increase online, through the American Express mobile app, or by calling customer service at 1-800-528-4800. To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income American Express has on file. American Express will be more likely to increase your credit limit if the revised income clearly shows that you can afford a higher limit.
How To Get a Blue Cash Preferred Credit Limit Increase Online
- Log in to your online account or the American Express mobile app.
- Choose the Blue Cash Preferred card from the list of account options (if you have more than one American Express card).
- Click “Account Services,” and then “Request Credit Limit Increase.”
- Enter your 4-digit CID, total annual income and desired credit limit. Click “Continue.”
- Confirm the information entered and click “Submit Request” to complete the request.
You should receive a decision in just a few seconds. If you’re approved for a Blue Cash Preferred credit limit increase, the new limit is effective immediately.
Impact of a Blue Cash Preferred Credit Limit Increase on Your Credit Score
When you request a Blue Cash Preferred credit limit increase, American Express will conduct a soft pull of your credit report, which does not affect your credit score. However, some Blue Cash Preferred credit limit increase requests may involve a hard pull, which will cause a short-term dip in your credit score. American Express cannot do a hard pull without your permission.
Alternatively, you could be eligible for a Blue Cash Preferred credit limit increase without even requesting one. The Blue Cash Preferred card may offer an automatic credit limit increase if American Express’s regular review of your account shows a history of on-time payments and low debt. An automatic credit limit increase involves a soft pull, which does not affect your credit score.
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