Chase, like most other banks, will automatically increase your credit if you are using it responsibly by paying your balance in full and on time.
These automatic bumps generally happen every 6-12 months.
If you’re patient, you might get a credit limit increase without doing anything!
Does credit limit increase automatically?
Automatic Credit Limit Increase
Some credit card issuers automatically raise your credit limit as you handle credit responsibly. That means charging only a manageable percentage of your total credit limit and making your payments on time each month.
How often should you increase your credit limit?
You can request a credit limit increase or decrease online, and usually will receive a decision instantly. You must wait four months after your credit limit is increased before requesting another increase, and you must wait six months after a limit decrease to request an increase.
Can you request a credit limit increase with Chase?
The only way to request a credit limit increase is to speak with a representative over the phone. Simply call the number on the back of your card and someone can assist you in requesting a higher credit limit. Have your account and financial information ready.
How often does Citi increase credit limit?
Citi will perform a soft pull on your credit profile sometimes (some say every six months) and it’s possible to receive an automatic credit limit increase.