Chip Lupo, Credit Card Writer
@CLoop
You can get a U.S. Bank credit limit increase by making a request online, through the mobile app, or over the phone at (800) 285-8585. But you might also get a U.S. Bank credit limit increase without even asking. U.S. Bank may offer an automatic credit limit increase if its regular reviews of your account show a history of on-time payments and low debt.
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 U.S. Bank has on file. U.S. Bank 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 U.S. Bank Credit Limit Increase
- Online: Log in to your online account and choose the U.S. Bank card for which you're requesting the increase (if you have more than one card). After that, click "Self Service", and then "Request Credit Limit Increase". Then, enter your annual income and the other financial information and follow the on-screen instructions to complete the request.
- Through the mobile app: Download the app (for Android or iOS) and then log in to your account. After that, tap on “Manage Cards” from the main menu and select the “Request Credit Limit” option. Then, provide all the information requested, check if the info is correct, and select “Submit my request”.
- Over the phone: Call (800) 285-8585 and enter your card number or your Social Security Number. Then, follow the prompts to get connected to a customer service representative.
You should receive a decision in just a few seconds. If you're approved for a U.S. Bank credit limit increase, the new limit will be effective immediately.
Impact of a U.S. Bank Credit Limit Increase on Your Credit Score
When you request a U.S. Bank credit limit increase, U.S. Bank may conduct a hard pull of your credit report, which will cause a short-term dip in your credit score. U.S. Bank cannot do a hard pull without your permission, though.
It is worth noting that an automatic credit limit increase involves a soft pull, which does not affect your credit score.
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Angela Craig, Member
@angela_craig
You can get a U.S. Bank credit card credit limit increase by requesting it online or by calling 1-866-659-6801.
Your account must be open for at least 6 months to be granted an increase. Also, you have the best chances if you always pay your bill in full and on time, use your card on a regular basis and have increased your income.
Alternatively, you can always just wait for U.S. Bank to offer you a credit limit increase.
Either way, U.S. Bank only does a soft pull on your credit when requesting an increase, so your credit score won't be affected.
I was going to request the increase but on the third page I got this message: "By submitting a credit limit increase request, you authorize us to obtain a copy of your credit bureau report which may affect your score." Based on this language it looks like they do hard pulls now.
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read full answerDoes U.S. Bank do a hard pull for a credit limit increase?
U.S. Bank will likely do a hard pull for a credit limit increase if the cardholder requests the increase. You can request a higher limit online or by calling (800) 285-8585, and U.S. Bank must have your permission before they conduct a hard pull on your credit report.
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