Jeff Pratley, WalletHub Credit Card Analyst
@jeff.p
You can request a Verve Credit Card credit limit increase by calling customer service at 866-449-4514. 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 Continental Finance has on file. Continental Finance will be more likely to increase your credit limit if the revised income clearly shows that you can afford a higher limit.
Impact of a Verve Credit Card Credit Limit Increase on Your Credit Score
When you request a Verve Credit Card credit limit increase, Continental Finance will conduct a hard pull of your credit report, which will cause a short-term dip in your credit score. Continental Finance cannot do a hard pull without your permission, though.
Alternatively, you could be eligible for a Verve Credit Card credit limit increase without even requesting one. The Verve Credit Card may offer an automatic credit limit increase if Continental Finance’s regular review of your account shows a history of on-time payments and low debt. An automatic credit limit increase involves a soft pull, which does not affect your credit score.
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