How can I get a Chase Slate credit limit increase?

Chase will automatically increase the credit limit for eligible credit card accounts based on periodic account reviews that typically begin six months after an account is opened. Automatic credit limit increases are done at Chase's discretion, and there's no guarantee when one will occur.

How to Get an Automatic Credit Limit Increase From Chase... read full answer

You don't have to do anything for Chase to review your account for an automatic increase. However, taking the following steps will boost the odds of getting Chase to automatically increase your credit limit:

• Pay the bill on time for at least the first six months that you have the card.
• Keep your credit utilization below 30%.
• Update your account profile if your income has gone up since you applied for the card.

How a Chase Automatic Credit Limit Increase Affects Your Credit Score

A Chase automatic credit limit increase requires a soft pull of your credit, which does not affect your credit score.

Chase may offer you the option to decline the automatic credit limit increase amount and request a higher increase. If you decline and ask for a higher amount, Chase will conduct a hard pull on your credit report, but they cannot do so without your permission.

A hard pull may lead to a slight decrease in your credit score, but your score should bounce back after a few consecutive months of timely payments. You can keep track of your progress with free daily credit score updates from WalletHub.

You can get a Chase credit limit increase by requesting it over the phone, by calling (800) 432-3117. You cannot request a credit limit increase from Chase online right now, but this option has been available in the past. When you call, you simply have to provide some information about your income, debts, other open credit accounts, and anything else Chase happens to ask for more information on. Chase may either approve you immediately or notify you of its decision within a few weeks (via mail and/or email). If you’re approved for a higher limit, the change will take effect right away and should show up on your next statement.... read full answer

To qualify for a Chase credit limit increase, you generally need to pay your bill on time for at least six consecutive months and otherwise manage your finances responsibly. You should also strive to use only a small portion – 30% or less – of your current credit limit. Making sure your income is up to date on your Chase.com account could help, too.

Here’s how to get a Chase credit limit increase:

• By Phone: Call Chase customer service at (800) 432-3117. Enter the last four digits of your card number, followed by your zip code. Press “0” to speak with a customer service representative.
• Automatic Increase: Chase may offer you a higher limit if you use your account responsibly. To check, sign into your Chase.com account, click on the menu icon at the top left of the page, and select “Your offers.”
• Online: Chase currently does not allow you to request a higher credit limit online. In the past, you could log into your account on Chase’s credit limit increase page, fill out the form and get an instant decision.

Just so you know, requesting a Chase credit line increase will result in a hard inquiry on your credit report. That means it could lead to a slight, temporary dip in your credit score. But that shouldn’t really matter unless you’re planning to apply for a mortgage or car loan in the next few months.

It’s also worth noting that if you don’t get the decision you’re looking for, you can always apply for a new credit card from a different issuer. The issuer’s desire for new business could lead it to be more generous than Chase.

The Chase Slate credit limit is at least $500 and can be more, depending on how good your credit is. Chase doesn’t disclose a maximum credit limit, but you’re always guaranteed a minimum of $500 if you’re approved.

And if you’re planning to transfer a balance to Chase Slate, the amount you transfer can’t exceed your credit limit (or $15,000, if your limit is higher than that). If the limit you’re approved for is less than the transfer amount you requested on your application, Chase will send a letter notifying you of the discrepancy. You can choose to transfer a lesser amount, ask Chase to reconsider your limit, or not open an account after all.... read full answer

People in the community have reported getting a range of credit limits, but you should take these with a grain of salt because Chase Slate credit limits are based on an individual’s credit history, income, and debts among other things.

Ultimately, it is worth noting that Chase Slate is currently not available to new applicants. But for those already having a Chase Slate, it is worth mentioning that, over time, their credit limit can increase. Chase periodically reviews accounts for higher limits, and you can always call customer service and ask for one. In order to get bigger credit limits in general, you should work to improve your credit score, maximize your income and reduce debts.