Request an Increased Credit Line • Letter Templates and Guides

How to write this letter:

1Ask your creditor to increase your credit limit.
2Give the reasons why you require a higher credit limit.
3Point out your excellent credit record.
4Request a reply.


The best way to increase your credit limit is to give the creditor your reason for needing more credit and to bring to his or her attention your excellent payment record. This letter has a formal tone with clear and objective language.

Example Letter #1


I am writing to request an increase of $5,000.00 in my credit limit with Doe. My current limit is insufficient to cover my monthly purchases at your firm. As you know, my credit history with you is spotless. I have always made payments on time, so I do not anticipate problems handling the increased limit. If you need any further information to grant the increase, please call. I look forward to hearing from you.

Example Letter #2


We are writing to request an increase in our credit limit from $2500 to $5000. With the recent addition of twins to our family, our credit needs have increased. We have had a credit card through your company since 2017 and have always made our payments on time. In addition to our good payment record, our family income has increased substantially since we opened our account.

We have always enjoyed doing business with your company and look forward to continuing our relationship in the future. Thank you for considering and replying to our request.

Example Letter #3


I am writing to request an increase on my Doe Card credit limit. My work requires that I travel more than ever before, and I am fond of the security a credit card offers when traveling.

My expenses have grown to the point where my $1,000 limit is just not enough. My payment record with Doe is almost perfect, and I do not anticipate any difficulties in dealing with the increased load a $2,500 limit would bring. Please contact me if you need any information to expedite this process. I am looking forward to your reply.

Example Letter #4


Please increase our credit line to $45,000. We have just received a large construction contract with the City of Springfield, which will require us to purchase large quantities of building materials on credit. Our original $25,000 line would not be up to the job. We assure you that our sterling credit record with you will remain sound, even after this substantial increase. If you have any questions or need any additional information in order to grant this increase, please telephone John Doe, at 555-5555. We look forward to hearing from you.