The Chase Freedom Flex credit limit is $500 or more. Everyone who gets approved for Chase Freedom Flex is guaranteed a credit limit of at least $500, and especially creditworthy cardholders could get limits a lot higher than that. There are reports of some customers getting a Chase Freedom Flex credit limit of over $18,000. The higher an applicant’s credit score and income are, the higher their starting credit limit is likely to be.
Here’s what you need to know about the Chase Freedom Flex credit limit:
The Chase Freedom Flex credit limit that you start off with isn’t necessarily your limit forever. Chase will routinely evaluate your account to decide whether you deserve a credit limit increase. They will do a harmless soft pull of your credit, and if you meet their standards, they will offer you an increase. Always paying on time and keeping your credit utilization low are key.
You can also ask for a Chase Freedom Flex credit limit increase online or by calling the number on the back of your card. If you ask for an increase, Chase may ask permission to do a hard pull of your credit, which will temporarily lower your credit score. It’s best to only ask for an increase if you’ve paid on time for the last 6 consecutive months and your credit has improved.
To get a Chase Freedom Flex credit limit increase, you’ll need to call Chase at (800) 432-3117 to make a request. You’ll have a better shot of approval if you’ve made at least 6 consecutive payments on time and your credit and/or income have improved since you got the card. However, Chase also offers automatic credit limit increases to select cardholders. If you do have an offer for a Chase Freedom Flex credit limit increase, you can … read full answerlog into your online account to accept it and instantly increase your limit.
How to Request a Chase Freedom Flex Credit Limit Increase
Call customer service at (800) 432-3117 or the number you see on the back of your card.
Select the option to speak to a customer service representative.
Tell the representative why you want a credit limit increase and how much of an increase you want.
Keep in mind that the representative may then ask your permission to do a hard pull of your credit report in order to evaluate your request. The hard pull will drop your score by a few points. But if you are successful in getting a higher limit, that can help to improve your score long-term as long as you don’t drastically increase your spending. After the representative evaluates your eligibility using a hard pull, you will receive your decision.
It’s also possible that you could get an automatic Chase Freedom Flex credit limit increase. Chase periodically evaluates customers’ accounts to see if they’re eligible for an increase. This process uses a soft pull, so it won’t hurt your credit. But if you don’t want to wait around for an increase that’s not guaranteed, you can just make a request yourself.
The Chase Freedom Unlimited offers a $500 minimum credit limit for everyone who’s approved. Applicants with the best credit standing can also get starting credit limits of $5,000 or higher from the Visa Signature version of the Chase Freedom Unlimited. Signature cards come with a few more supplemental benefits than the standard Visa Platinum cards other approved applicants receive.… read full answer
Chase doesn’t publicly disclose a maximum credit limit for the Chase Freedom Unlimited card. But some customers have said that they have received limits of almost $14,000. If you want a limit that high, you’ll need spotless credit, a very high income to afford the payments, and low existing debt.
Chase Freedom Unlimited Credit Limit Increase
Keep in mind that you can ask Chase for a Chase Freedom Unlimited credit limit increase by calling the number on the back of your card. It’s best to try that after at least half a year of on time bill payments.
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