To get a Chase Sapphire Preferred credit limit increase, call Chase at (800) 432-3117 and ask a representative for a higher limit. 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 Chase has on file. Chase 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 Chase Sapphire Preferred Credit Limit Increase over the Phone:
- Call Chase at (800) 432-3117.
- Enter your card number.
- Follow the prompts to speak with a representative.
- Tell the representative that you want a credit limit increase, and specify how much you’re looking for.
- Be prepared to give reasons why you deserve an increase. This might include low utilization, a history of timely payments, an increase in your income and/or being a customer for a long time.
- Give permission to Chase for a hard pull of your credit, if needed.
- Wait for the representative to tell you if you are eligible for an increase.
- Accept the increase offer, try to ask for more, or decline the offer.
You should receive a decision in just a few seconds. If you’re approved for a Chase Sapphire Preferred credit limit increase, the new limit is effective immediately.
Impact of a Chase Sapphire Preferred Credit Limit Increase on Your Credit Score
When you request a Chase Sapphire Preferred credit limit increase, Chase will conduct a hard pull of your credit report, which will cause a short-term dip in your credit score. Chase cannot do a hard pull without your permission, though.
Alternatively, you could be eligible for a Chase Sapphire Preferred credit limit increase without even requesting one. The Chase Sapphire Preferred card may offer an automatic credit limit increase if Chase’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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