How To Increase Your Credit Limit With U.S. Bank

Editorial and Partnership Disclosure  Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers. This is a recurring post with regularly updated card details. Opinions, reviews, analyses & recommendations are the author’s alone and have not been reviewed, endorsed, or approved by any of these entities.

U.S. Bank occasionally provides automatic credit limit increases for eligible customers. However, if you don’t receive an automatic increase, you can easily apply online, call U.S. Bank’s customer service, or visit a nearby branch to request one. To improve your chances of approval, it’s helpful to maintain a strong credit score, keep your debt-to-income ratio low, and ensure your account is in good standing.

1. Apply via U.S. Bank’s Online Banking or Mobile App

• Step 1: Choose your credit card
  • Log in to your U.S. Bank account and select the credit card for which you want to request a credit limit increase.
• Step 2: Access the credit limit increase option
  • Through online banking: Go to Account Services, then select Request Credit Limit Increase.
  • Through the U.S. Bank Mobile App: Go to Manage, then choose Request Credit Limit Increase.
• Step 3: Provide your financial information
  • Enter your income and asset information as requested.
  • Select Continue to housing and answer any housing-related questions.
• Step 4: Review your request
  • If your account has multiple owners and everyone shares the same address, check the box at the top to confirm. This lets you skip entering the other owner’s housing information.
  • Verify that all the information is correct.
• Step 5: Submit your request
  • Once you’ve reviewed everything, click Submit my request to complete the process.

2. Call the Bank’s Customer Service

• Call customer service: Dial a U.S. Bank hotline to speak with a representative. Note that U.S. Bank accepts relay calls for those with hearing impairments.
  • Credit card customer service: 800-285-8585
  • General customer service: 800-USBANKS (872-2657)
  • International collect: 503-401-9991
• Provide information: Be prepared to discuss your income, employment status, and housing payments.
• Submit request: The customer service representative will guide you through the process.

3. Visit a U.S. Bank Branch

If you prefer personalized assistance, you can visit any U.S. Bank branch to request a credit limit increase on your credit card.

• Find a nearby branch: Use the U.S. Bank branch locator on usbank.com to find the closest branch.
• Submit necessary documents: Bring your financial documents (annual income, monetary assets, and monthly housing information).

How to Improve Your Chances of Getting a U.S. Bank Credit Limit Increase

Use Your Credit Card Responsibly

Pay your credit card bills on time and avoid carrying a balance. Consistent, responsible usage makes you a strong candidate for a U.S. Bank credit limit increase.

Maintain a Credit Utilization Ratio Under 30%

Keep your balance below 30% of your total available credit, as higher utilization may suggest overspending. If you want to keep a low credit utilization ratio, then:

• Avoid late payments;
• Keep old credit card accounts open to preserve your available credit;
• Make multiple payments per month if needed; and
• Set up balance alerts to stay on top of your spending.

Keep Your Debt-to-Income (DTI) Ratio Below 40%

A low DTI ratio indicates financial stability. To maintain it, then:

• Pay down existing debt;
• Avoid taking on new deb;
• Increase your income by negotiating a higher salary or taking on additional work; and
• Consider a balance transfer to reduce interest costs.

Update Your Income With U.S. Bank

A higher income can improve your chances of approval. If you’ve had an income increase, update it through U.S. Bank’s website or mobile app.

Keep Your Account Active for Six Months or Longer

Most providers, including U.S. Bank, prefer accounts to be at least six months old before granting a credit limit increase. If you need additional credit sooner, consider applying for a new card.

Boost Your Credit Score

A higher credit score demonstrates responsible credit management, which U.S. Bank considers when reviewing credit limit increase requests. Focus on timely payments, low balances, and minimizing new debt.

What To Do If You’re Denied a U.S. Bank Credit Line Increase

If your request for a credit limit increase with U.S. Bank is denied, you can do a few things to improve your chances for next time.

Review the Reason for the Denial

Check the letter or email from the U.S. Bank explaining why your request was denied. To improve your chances of future approval, focus on addressing specific issues like high credit utilization, low income, a short account history, late payments, or a high DTI.

Reduce Your Debt Obligations

Pay down existing debts to improve your DTI ratio and credit utilization. Lowering your debt can increase your chances of approval on your next request.

Check Your Credit Report for Errors

Access your free annual credit report through AnnualCreditReport.com. Review the report for inaccuracies and dispute any errors. Correcting them can boost your credit score.

Consider Applying for a New Credit Card

If you want additional credit, applying for a new card (with U.S. Bank or another issuer) can provide extra credit and benefits tailored to your needs. You can apply for any of the best U.S. Bank business credit cards to earn cash back, points, or miles.

Otherwise, you can explore our roundup of the best high-limit business credit cards if your monthly expenses reach $100,000. Take note that these cards typically require a credit score of at least 670. Meanwhile, new businesses or those with credit scores lower than 670 might apply for a leading fair credit business credit card or one of the top secured business credit cards.

Pros & Cons of Getting a Credit Limit Increase With U.S. Bank

Frequently Asked Questions (FAQs)

Where can I find a U.S. Bank location?

---

When requesting a credit limit increase, what information is required if my account has a joint owner?

---

Why is the monthly housing payment required?

---

Bottom Line

You may automatically receive a U.S. Bank credit limit increase if you have a strong credit history. If not, you can request an increase through online banking, customer service, or at a branch. Be ready with your income, assets, and housing payment information.