How to increase your Barclaycard credit limit

One of the benefits of having a credit card is getting access to a credit limit you can borrow from when needed. Your provider determines the limit when you get the card, so you can’t ask for a specific amount. That said, you can request a credit limit increase down the line by being a responsible cardholder.

How can I find my Barclaycard credit limit?

Log in to your Barclaycard online account and select the credit card you want to check. You should find your credit limit on the main credit card page. As an alternative, check your monthly credit card statement or call Barclaycard customer support.

How to increase my Barclaycard credit limit

There are four ways to increase your Barclaycard credit limit.

1. Submit your request online
2. Call the bank
3. Get an automatic credit limit increase
4. Apply for another card

Before you make the request, make sure you have your annual income, proof of employment and occupation, a reason for the request and your monthly housing payment.

Submit your request online

Requesting a credit limit increase online is easy. All you have to do is:

• Log in to your Barclaycard online banking account.
• Select the credit card you want.
• Find Request credit line increase under the Services menu.
• Provide the required information, such as your annual income, employment and your desired credit line amount.
• Review the form and submit.

Call the bank

If you prefer to do it by phone, here’s how:

• Call Barclaycard support using the number on the back of your card.
• Request a credit limit increase.
• Provide the required information and a reason for the request.

Note: You may be approved for a lower amount than the one you requested.

Get an automatic credit limit increase

Barclaycard may reward your credit card activity by automatically expanding your line of credit. But before you’re considered for an increase, you need to:

• Use your card often. And use a larger amount of your credit limit if possible. Keep in mind, maxing your credit card could be counterproductive.
• Otherwise, you’ll accrue interest, you could pay fees, and getting a credit line increase could become impossible.

Apply for another card

If you can’t get a credit limit increase, you may want to consider applying for another card. This will give you another line of credit, plus additional perks such as a signup bonus, a rewards program or a 0% intro APR period.

Compare cards with higher credit limits

All credit cards in the table below come with a high credit limit. However, the credit line you receive depends on various factors, including your annual income, employment and creditworthiness.

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Name	Product	Filter values	Rewards	Purchase APR	Annual fee
Blue Cash Preferred® Card from American Express			6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases	0% intro for the first 12 months (then 13.99% to 23.99% variable)	$95	Apply now View details	Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $250. This heavy-hitter rewards card has uncontested value. Rates & fees	Compare	loading Fetching your data...
Blue Cash Everyday® Card from American Express			20% at Amazon.com up to $200 back in the first 6 months, 2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases	0% intro for the first 15 months (then 13.99% to 23.99% variable)	$0	Apply now View details	This everyday cashback card is ideal for Black Friday and holiday shopping with 20% back at Amazon.com up to $200 back in the first 6 months. Rates & fees	Compare	loading Fetching your data...
Chase Sapphire Preferred® Card			5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases	15.99% to 22.99% variable	$95	Apply now View details	Earn a signup bonus worth $750 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.	Compare	loading Fetching your data...

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How is my Barclaycard credit limit determined?

In general, all financial institutions weigh the following:

• Annual income.
  With high annual income, you open up the possibility of getting a high credit limit.
• Employment.
  Having a steady job may show the bank you can be a responsible cardholder.
• Creditworthiness.
  Clean credit history proves you can pay your balance on time.
• Utilization rate.
  Keep utilization rate at 30% or lower to prove you can manage debt.
• The type of card you apply for.
  Getting a high-end credit card, such as a Visa Signature or Mastercard World Elite, means you’ll get a high credit limit off the bat.

Bottom line

If your credit line falls short in meeting your needs, consider requesting an increase. You can submit your request online or by phone. And if you actively use your credit card and pay your balance on time, Barclaycard may automatically increase your credit limit.

If you can’t get a credit limit increase, consider applying for a new credit card as an option for extending your line of credit.

Frequently asked questions

• Can requesting a credit limit increase affect my credit score?

  Yes. Barclaycard may do a hard pull on your credit when you request a credit limit increase. Because of that, your credit score may drop by a few points.

  But a higher credit line may lower your utilization rate, which positively affects your credit score.

• When should I request a credit limit increase?

  This is up to you. But to improve your chances of success, request a credit limit increase when you:

  • Meet the eligibility requirements.
  • Have a higher credit score than when you applied for the card.
  • Have a higher income than when you applied for the card.

• What is a reasonable credit limit increase amount?

  Requesting a credit limit increase between 10% and 25% is considered reasonable. But this is often the case if you already have a high credit line. If your credit line stands between $500 and $1,000, you can ask for double the amount or more and still get the approval.