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 $20,000. The higher an applicant’s credit score and income are, the higher their starting credit limit is likely to be.
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, log in to your Chase account on the bank’s credit limit increase page, where you can see if there are any targeted offers available for you. If you do have an offer for a Freedom Flex credit limit increase, you can click to accept it and instantly increase your limit.… read full answer
If you don’t have any targeted offers, you’ll need to call Chase to make a request. To request a Chase Freedom Flex credit limit increase by phone, call 1 (800) 432-3117 and enter your card number, then 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. The representative may then ask your permission to do a hard pull of your credit 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, or in some cases a harmless soft 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. 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.
The Chase Freedom Unlimited credit limit is $500 or more for everyone who’s approved. The most creditworthy applicants can get starting credit limits of $5,000 or higher. Freedom Unlimited cardholders who start with a limit of at least $5,000 get the Visa Signature version of the card instead of a Visa Platinum card. Signature cards come with a few more supplemental benefits from Visa. … read full answer
Chase doesn’t publicly disclose a maximum credit limit for the Freedom Unlimited card. But some customers have said that they have received limits of $20,000 or higher. If you want a limit that high, you’ll need spotless credit, a very high income to afford the payments and low existing debt. Just keep in mind that no matter what limit you get, it’s not permanent. You can ask Chase for a 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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