You can request a Citi Double Cash credit limit increase either online or by phone, at 1 (855) 473-4583. Citi reviews all credit limit increase requests on a case-by-case basis. For the highest odds of approval, Citi recommends paying on-time, preferably in full, for at least 6 consecutive billing periods prior to requesting a higher limit.
For phone requests, follow the automated voice prompts or state that you’d like to speak to a customer service representative. When instructed, provide your annual income and your monthly mortgage/rent payment. Requesting a credit limit increase online is just as simple. In fact, it’s likely to be even easier and faster than calling.
How to Get a Citi Double Cash Credit Limit Increase Online:
- Log in to your Double Cash account and click the “Services” tab. From there, choose “Credit Card Services.”
- Click “Request a Credit Limit Increase” under the “Card Management” menu.
- Choose the Double Cash card from the “Select an account” menu.
- Provide your annual income and your monthly housing payment.
- Review and click “Continue” to submit your credit request.
You should receive an immediate decision approving or denying the request. If approved, the new credit limit will appear in your account and will be immediately available for you to use.
Finally, one thing people often wonder about is whether requesting a higher credit limit on their Citi Double Cash Card will hurt their credit standing. And the answer is no, not usually.
Citi initially uses a soft pull, or soft inquiry into your credit history, to evaluate credit limit increase requests. That will not affect your credit score. But if you’re not satisfied with the increase amount that Citi approves you for, you can request an even bigger credit limit increase. A request for credit above what Citi offers will require a hard pull of your credit report. As a result, there will be a slight, but temporary, drop in your credit score.