How do I increase my GM Rewards card credit limit?

You can request a GM Rewards Card credit limit increase online or by calling customer service at 1 (800) 261-4569. 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 Barclays has on file. Barclays 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 GM Rewards Card Credit Limit Increase Online

1. Log in to your online account.
2. Choose the GM Rewards Card from the list of account options (if you have more than one Barclays card)
3. Click “Services,” and then “Request Credit Line Increase.”
4. Enter your total annual income and the amount of the increase you want. Click "Continue."
5. Confirm the information and click “Submit Request” to complete the request.

You should receive a decision in just a few seconds. If you’re approved for a GM Rewards Card credit limit increase, the new limit is effective immediately.

Impact of a GM Rewards Card Credit Limit Increase on Your Credit Score

When you request a GM Rewards Card credit limit increase, Barclays will conduct a soft pull of your credit report, which does not affect your credit score. However, some GM Rewards Card credit limit increase requests may involve a hard pull, which will cause a short-term dip in your credit score. Barclays cannot do a hard pull without your permission.

Alternatively, you could be eligible for a GM Rewards Card credit limit increase without even requesting one. The GM Rewards Card may offer an automatic credit limit increase if Barclays’ regular review of your account shows a history of on-time payments and low debt.