To get a Chase Sapphire Preferred credit limit increase, call Chase at 800-432-3117 and ask a representative for a higher limit or log in to the Chase credit limit increase page. It’s important to note that the online option is not available to everyone. Certain Chase customers who log in will receive targeted offers for credit limit increases, which they can accept online. Customers who don’t receive such an offer can still request an increase by phone.
Chase may ask some customers for permission to do a hard credit pull when making a decision on a credit limit increase. That would likely lead to a small, temporary credit-score drop. On the other hand, Chase might automatically give you a credit limit increase without you asking or without them sending you a targeted offer, but that’s never guaranteed. Automatic increases will always use a soft credit pull, which won’t hurt your score.
How to Get a Chase Sapphire Preferred Credit Limit Increase by 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.
Keep in mind that you might not instantly find out whether or not you can get a credit limit increase. Chase could let you know right away, or they might take up to a few weeks to make a decision and notify you by mail or email. If you do receive a credit limit increase, it will take effect right away and should appear on your next billing statement.
All in all, to have the best chances of qualifying for a Chase Sapphire Preferred credit limit increase, you should have at least 6 consecutive months of on-time payment history. It’s also best to have low credit utilization (under 30%), so you don’t seem desperate to spend more.
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