How Do I Increase My Credit Limit on My Citicard Card?

If you have had your CitiCard for at least six months, you can try asking Citi for a credit limit increase. You should have established a solid history of paying your CitiCard bills on time with more than the minimum payments before you do, though. The procedure for making the request is simple. You can fill out a form online or contact a Citi customer service representative.

Adam Goldkamp is the editor / author responsible for this content.
Dec 9, 2022

If you've had your CitiCard for a while, then you probably wonder about increasing your credit limit — even if you have a high limit already. Not only would a higher limit give you more spending power, it would also improve your credit score. Read on to learn about improving your CitiCard credit limit.

Before You Request the Increase

Citi doesn't make its criteria for extending credit public, but there are a few things you should try before you make your request. They can really improve your odds. One is to wait at least six months from when you opened your account or from the last time you asked for a credit increase. During this time, you should not only pay your CitiCard bill on time, but you should also pay more than the minimum amount each time. These steps will help prove that you are handling your finances well and being responsible with the credit you already have.

Increasing Your CitiCard Credit Limit

Before you ask for the increase, you should decide how much you want to ask for. If you ask for too much, Citi might conclude that you are having a financial emergency, making it less likely to approve your request. A more modest request, such as in the 10 to 20 percent range, would have a much better chance of getting approved.

To make the request, follow these instructions:

  1. Go to Citi's home page.
  2. Log into your account.
  3. Click on Services.
  4. Click on Credit Card Services.
  5. Click on the Request a Credit Limit Increase link under the Card Management header.
  6. Select your account (if you have multiple Citi accounts).
  7. Fill out all the text fields with the required information.
  8. Click on Continue.
  9. Confirm the information you have provided by clicking on Continue.

You can also request a credit increase by calling a Citi customer service representative. This may not be as fast and easy as making the request online, but it does offer you the chance to argue why you should get the increase, which you can't really do online.

Contacting Citi

To request a credit increase or ask any questions you may have, you can reach a customer service representative on the phone or help forum, or in the chat room.

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Adam has been tirelessly trying to help customers find the best tips and tricks to get through phone trees and writing many guides for prickly customer service problems. He's been featured in the Wall Street Journal, Inside Edition and Bloomberg.
How Do I Increase My Credit Limit on My Citicard Card?

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