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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.
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.
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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.
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.
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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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