How to increase credit limit on American Express credit card?
Anuradha Mittal
Asked 10 Jun 2026
-2
I have been using my American Express credit card for 12 months with a clean repayment history. How can I request a credit limit increase, and what factors does the bank consider?
1 Answer
Accepted
9
Sushma Choksi·8 Apr 2026
On credit limit increase: most banks auto-review every 6 months. If you use 30-70% of the limit and pay in full, you'll get an automatic increase. Don't call and ask for it explicitly — banks take it as a sign of credit hunger and sometimes lower the limit instead.
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