How do I increase my Upgrade Credit Card credit limit? This question is about the Upgrade Cash Rewards Visa®

How do I increase my Upgrade Credit Card credit limit?

This question is about the Upgrade Cash Rewards Visa®

Chip Lupo, Credit Card Writer

@CLoop • 10/05/22 This answer was first published on 10/05/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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You can increase your Upgrade Credit Card credit limit by using the card regularly, staying below your credit limit, and making your monthly payments on time. You will also have a better chance at getting a Upgrade Credit Card credit limit increase if you link your bank account.

Upgrade does not accept credit limit increase requests from cardholders, though they do keep track of your account activity to see if you are eligible for a credit limit increase. If you do qualify for a higher credit limit, the increase will apply automatically, and you will be notified via email.

What is the Upgrade Credit Card credit score requirement?

The Upgrade card credit score requirement is 640, which means that applicants need fair credit or better for approval. But credit score isn’t the only thing that matters when it comes to getting approved for the Upgrade card. Upgrade will also look at the applicant’s income, recent credit inquiries, other debts and more.

While the Upgrade card’s credit score requirement plays a big role in whether you get approved for the card, your credit...

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How often can you request a credit line increase?

You can request a credit line increase every 4-6 months, or even more frequently. But your chances of being approved for an increase are best if you wait at least 6 months from when you opened your account or last requested a higher limit. If you request an increased limit right after being approved for a new card, it’s unlikely that anything will have changed since the issuer made its initial decision about your credit limit. If you wait...

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Does the Upgrade Card do a hard pull?

Yes, the Upgrade Card will do a hard pull and you'll need a credit score of at least 640 to get it.

You can prequalify for the Upgrade Card and they will inform you of your credit line and rate, but you will need to submit an actual application if you want the card, which will result in a hard pull.

A hard pull usually causes an applicant's credit score to drop by...

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