Request an Increased Credit Line • Example Letters, Guides and Samples

Write Your Letter Step-by-Step

1 Ask your creditor to increase your credit limit.

Sample Sentences for Step 1

• We wish to request an increased credit line.
• Because our current purchasing trends have pushed us to our credit limit with the Doe Corporation, we would like a higher line of credit.
• We would like to request an increase in our credit limit.
• Please increase my credit line to $10,000.
• We request a $5,000 increase in our credit limit.
• For many years we have been excellent clients of the Doe Corporation and we are beginning to outgrow our original credit limit. For this reason we ask for a $2,000 credit increase, beginning immediately.
• I wish to increase my card limit by $2,000.

Sample Phrases for Step 1

• a higher credit limit
• an extension of our credit line
• an increased line of credit
• consider increasing my
• credit limit needs to be at least
• increase my card limit to
• increase our credit limit
• my line of credit
• need to increase my limit by
• our original credit limit
• raise my line of credit to
• request an increase of
• request a further extension of credit
• request an increase in
• the time has come to
• to increase our credit line
• want to increase my
• would like to

2 Give the reasons why you require a higher credit limit.

Sample Sentences for Step 2

• When I first received my Doe credit card, I used it only for my month-to-month needs. However, now that I am retired I would like to travel more, and would prefer to charge most of my expenses rather than carry large sums of money.
• Demand for our product has increased significantly, requiring us to purchase more raw materials from you on credit.
• Our current credit limit is $15,000. Due to a steady rise in demand for our product, we need to buy much more than that limit will allow.
• Because we have been approaching our current limit for several months, we feel it would make our operations more flexible if you would raise our line of credit to $33,000.
• I find myself using my card much more frequently now than I did in the past.

Sample Phrases for Step 2

• continually approach the limit
• continue to expand our
• credit needs have changed
• due to an increase in
• have recently increased
• the increased convenience of
• more expenditures than before
• my current limit is inadequate to
• need to finance more
• no longer meets my needs
• our current credit limit is
• rise in demand for
• the recent expansion of
• this increase would help to
• unable to use my card for
• want to use my card for
• when I first received my card
• without an increase in
• would make our operations more

3 Point out your excellent credit record.

Sample Sentences for Step 3

• I have always paid my balance by the agreed-upon date.
• In the past, I have always paid at least the minimum amount due on time.
• I do not anticipate any problems in paying the additional debt that this increase would create.
• I have faithfully paid the amount due on my account by the appointed date, and hope you will grant the additional credit.
• I have held my Doe credit card for three years and have never had a problem paying my bills.
• If you check your records, you will find that I have a spotless credit history.
• Your records will show that I have an excellent record with your company in paying off all outstanding balances.

Sample Phrases for Step 3

• a spotless credit history
• always pay on time
• always pay my balance by
• am a good customer of
• an excellent track record
• anticipate no problems in
• at least the minimum amount due
• by the appointed date
• have paid the amount due
• have never missed a payment
• have maintained an excellent
• have had my card for
• if you check your records
• my credit record is
• my payments are always on time
• never fail to
• never had any problems with
• payments are always early
• would like to point out that
• your records will reflect

4 Request a reply.

Sample Sentences for Step 4

• We would appreciate your immediate reply.
• We would appreciate your giving us an answer well before our next shipment date, so we can plan accordingly.
• Thank you for considering our request. We hope to receive your reply soon.
• I have enjoyed holding a credit account with the Doe Corporation and will be very pleased if you raise my credit limit. I look forward to your reply.
• Please let us know if you need additional information. We look forward to receiving your favorable decision.
• We appreciate your cooperation in this matter and hope to receive your answer within the next two weeks.
• Thank you in advance for your prompt reply.
• We hope you will seriously consider our request and give us an early reply.
• I eagerly await your response.

Sample Phrases for Step 4

• consider this request
• eagerly await your response
• for your assistance
• give serious consideration to
• give us your answer
• give us a call
• hope that you will
• if we need to do anything
• in the near future
• look forward to
• please let me know
• please notify me of
• receive your answer before
• so we can plan accordingly
• thank you for
• thank you in advance for
• to receiving your decision
• to your reply
• waiting to hear from you
• will appreciate your
• will expect your reply
• your prompt reply