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How to increase your Barclaycard credit limit

Use your card responsibly to be eligible for an increase after six months.

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 do I know if I am eligible for a credit limit increase?

Barclaycard doesn’t openly list any eligibility criteria on their website. But in general, make sure:

  • Your credit card account is open for at least six months.
  • You always pay your credit card balance on time and in full.
  • You use your credit card.

But even if you meet the eligibility criteria, your credit limit increase request may not necessarily be approved.

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.

When will I receive the credit limit increase?

In most cases, your new credit line should be available as soon as you’re approved. But sometimes, it could take up to a few business days.

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.

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 (redeem as statement credit)
0% intro for the first 12 months (then 13.99% to 23.99% variable)
$0 intro annual fee for the first year ($95 thereafter)
Earn up to $350. In your first 6 months, you can earn a $150 statement credit when you spend $3,000, and earn 20% back on Amazon purchases made with your card, up to $200 total. Having 6 months to earn a welcome offer is a rare benefit as most cards give you only 3. Terms apply, see rates & fees
Blue Cash Everyday® Card from American Express
3% at US supermarkets on up to $6,000 per year (then 1%), 2% at US gas stations and select US department stores and 1% on all other purchases (redeem as statement credit)
0% intro for the first 15 months (then 13.99% to 23.99% variable)
$0
Earn up to $250. You'll get 20% back on Amazon.com purchases in the first six months for up to $150 back, and $100 after you spend $2,000 in the first six months. This is a higher-than-average welcome offer for a card with no annual fee. Terms apply, see rates & fees
Chase Freedom Unlimited®
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$0
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
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Compare up to 4 providers

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.

How often will Barclaycard increase my credit limit?

You need to wait at least six months before you request your first credit limit increase. After that, request a credit limit increase at least six months apart.

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.

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