How Do I Increase My Credit Limit on My American Express Card?

American Express is a globally integrated payments company. It is headquartered in Lower Manhattan, New York City. The multinational financial services firm has been ranked among the top 100 companies by Fortune magazine.

American Express offers credit cards with unique benefits. You can either choose a reward, travel, or premium credit card that suits your requirement.

If you wish to increase the line of credit with an American Express card, you can do so easily with a few basic steps. The customer service team at the bank will also guide you with the entire process in a hassle-free manner.

What Is the Credit Limit on an American Express Card?

The credit card limit is the highest amount of money you can spend using your American Express card. It is contractually agreed upon by the lender based on factors like:

• Current debt
• History of loan repayments
• Current salary details

Your CIBIL score is an essential factor determining the eligibility to raise the credit limit on an American Express card.

You can check your credit card limit online through the company's website or the American Express mobile app.

You can also choose to set up a notification system when you are about to reach the credit limit.

It is crucial to increase the line of credit with an American Express card if you plan to spend on high-value purchases. It will help avoid penalties, your card getting declined or blocked, or getting a bad credit score.

If you face such a financial crisis, you can reach out for help to the American Express support staff for further guidance.

Steps To Request Credit Limit Increase for American Express Card

You must remember that you can apply to raise the credit limit on an American Express card only if your account has been opened for a minimum of 60 days.

1. Login to the American Express Website.
2. Once you are entered into your online account, select the card you wish to increase the credit limit. You will find the credit card option on the top part of the screen.
3. You can view the available limit in the Home section of the credit card account.
4. If you own a Charge card, you will not see the credit limit. These cards do not have spending caps.
5. Next, you have to click on the Account Services tab on the screen.
6. Go to the Card Management section and select Increase your Credit limit
7. You can fill in the desired amount and submit the request. The customer service member will call you back for more details.

Call Customer Support Staff

You can call the customer service phone number listed at the back of your American Express credit card. They will ask for details like reasons for credit raise requests and other personal information.

You will receive either a message or email of the next steps. If you are denied an increase in credit limit on your American Express card, you should wait for a few months to reapply.

Automatic Credit Line Increase

If you maintain an accurate track record of using credit cards wisely, American Express can also automatically raise the credit limit on American Express cards.

While there is no predetermined timeline for this procedure, you can keep track of timely repayments and wait for your turn to get a higher credit limit.