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When should you request a credit limit increase?

Take your credit card, call the number on the back, press whatever numbers you need to, to get to a human representative Word for word ask:. ``Hi - Id like to request a credit limit increase. . Theyll ask for name, address, and income, Do a hard credit pull and tell you if youre approved.

What to say when asking for a credit limit increase?

Theres really no harm in asking and getting a credit limit increase, like others have said, it can help you lower the total credit utilization. The only bad thing that I can think of is the possibility of losing control of your spending.