Request an Increased Credit Line • Example Letters, Guides and Samples


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.

How to write this credit letter:

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

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.

Write Your Letter Step-by-Step

1 Ask your creditor to increase your credit limit.

Sample Sentences for Step 1
  • We wish to request an increased credit line.
  • Because our current purchasing trends have pushed us to our credit limit with the Doe Corporation, we would like a higher line of credit.
  • We would like to request an increase in our credit limit.
  • Please increase my credit line to $10,000.
  • We request a $5,000 increase in our credit limit.
  • For many years we have been excellent clients of the Doe Corporation and we are beginning to outgrow our original credit limit. For this reason we ask for a $2,000 credit increase, beginning immediately.
  • I wish to increase my card limit by $2,000.
Sample Phrases for Step 1
  • a higher credit limit
  • an extension of our credit line
  • an increased line of credit
  • consider increasing my
  • credit limit needs to be at least
  • increase my card limit to
  • increase our credit limit
  • my line of credit
  • need to increase my limit by
  • our original credit limit
  • raise my line of credit to
  • request an increase of
  • request a further extension of credit
  • request an increase in
  • the time has come to
  • to increase our credit line
  • want to increase my
  • would like to

2 Give the reasons why you require a higher credit limit.

Sample Sentences for Step 2
  • When I first received my Doe credit card, I used it only for my month-to-month needs. However, now that I am retired I would like to travel more, and would prefer to charge most of my expenses rather than carry large sums of money.
  • Demand for our product has increased significantly, requiring us to purchase more raw materials from you on credit.
  • Our current credit limit is $15,000. Due to a steady rise in demand for our product, we need to buy much more than that limit will allow.
  • Because we have been approaching our current limit for several months, we feel it would make our operations more flexible if you would raise our line of credit to $33,000.
  • I find myself using my card much more frequently now than I did in the past.
Sample Phrases for Step 2
  • continually approach the limit
  • continue to expand our
  • credit needs have changed
  • due to an increase in
  • have recently increased
  • the increased convenience of
  • more expenditures than before
  • my current limit is inadequate to
  • need to finance more
  • no longer meets my needs
  • our current credit limit is
  • rise in demand for
  • the recent expansion of
  • this increase would help to
  • unable to use my card for
  • want to use my card for
  • when I first received my card
  • without an increase in
  • would make our operations more

3 Point out your excellent credit record.

Sample Sentences for Step 3
  • I have always paid my balance by the agreed-upon date.
  • In the past, I have always paid at least the minimum amount due on time.
  • I do not anticipate any problems in paying the additional debt that this increase would create.
  • I have faithfully paid the amount due on my account by the appointed date, and hope you will grant the additional credit.
  • I have held my Doe credit card for three years and have never had a problem paying my bills.
  • If you check your records, you will find that I have a spotless credit history.
  • Your records will show that I have an excellent record with your company in paying off all outstanding balances.
Sample Phrases for Step 3
  • a spotless credit history
  • always pay on time
  • always pay my balance by
  • am a good customer of
  • an excellent track record
  • anticipate no problems in
  • at least the minimum amount due
  • by the appointed date
  • have paid the amount due
  • have never missed a payment
  • have maintained an excellent
  • have had my card for
  • if you check your records
  • my credit record is
  • my payments are always on time
  • never fail to
  • never had any problems with
  • payments are always early
  • would like to point out that
  • your records will reflect

4 Request a reply.

Sample Sentences for Step 4
  • We would appreciate your immediate reply.
  • We would appreciate your giving us an answer well before our next shipment date, so we can plan accordingly.
  • Thank you for considering our request. We hope to receive your reply soon.
  • I have enjoyed holding a credit account with the Doe Corporation and will be very pleased if you raise my credit limit. I look forward to your reply.
  • Please let us know if you need additional information. We look forward to receiving your favorable decision.
  • We appreciate your cooperation in this matter and hope to receive your answer within the next two weeks.
  • Thank you in advance for your prompt reply.
  • We hope you will seriously consider our request and give us an early reply.
  • I eagerly await your response.
Sample Phrases for Step 4
  • consider this request
  • eagerly await your response
  • for your assistance
  • give serious consideration to
  • give us your answer
  • give us a call
  • hope that you will
  • if we need to do anything
  • in the near future
  • look forward to
  • please let me know
  • please notify me of
  • receive your answer before
  • so we can plan accordingly
  • thank you for
  • thank you in advance for
  • to receiving your decision
  • to your reply
  • waiting to hear from you
  • will appreciate your
  • will expect your reply
  • your prompt reply