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If you show stable payment history and responsible credit management during a certain period of time, credit card issuers may increase your credit limit. Some credit cards are even advertised with credit limit increase opportunities, like the Merrick Bank Double Your Line® Mastercard®. With such offers, you usually get an automatic credit limit increase.

However, not all increases are automatic and in most cases, you will need to contact your credit card issuer to request a higher line of credit. You are usually allowed to request credit limit increases every six months, if the issuer doesn't have its own rules. Just keep in mind that the issuer can hard pull your credit reports to see if you qualify for a credit limit increase. Other issuers may also charge a fee for the opportunity to increase the limit. So we would recommend you contact your issuer to get more details about rules and requirements for credit limit increase.