✍️ ⑦ How to Increase Your Credit Limit Safely (Without Hurting Your Score)

Introduction

Raising your credit limit lowers utilization and instantly improves your score — but only if done safely.

---

1. Build a 3–6 Month Positive History

Banks prefer steady on-time payments.

---

2. Keep Utilization Under 20% Before Requesting

Low usage increases approval odds.

---

3. Request Online or App-Based Increase

Fast and doesn’t require a phone call.

---

4. Avoid Hard Pull Requests

Some lenders do a soft pull — choose those first.

---

Conclusion

Limit increases are powerful tools for boosting your credit. Ask strategically and space out requests every 6 months.

---