KNOWLEDGE BASE

How do I request a credit limit increase?

There comes a time when everyone needs additional funds. To submit a credit limit increase, follow the steps below:

Online banking steps:

For the best online experience, we recommend logging in at usbank.com.

  1. Select Customer Service at the top of the page, then choose Self Service.  
  2. Within the "Credit Cards, Charge Cards, Personal Lines" section, select Request Credit Limit Increase. If the credit limit request link isn't displayed, call 800-285-8585. We accept relay calls.
  3. Choose the card to submit the credit limit increase for.
  4. Provide your income and asset information, then select Continue to housing.
  5. Answer the questions, then select Review my request.
    • Check the box at the top if your account has multiple owners and everyone shares the same address.
    • If the box is checked, we won't ask for the other owner's housing information.
  6. Verify the details are correct, then select Submit my request.

U.S. Bank Mobile App steps:

For the best mobile banking experience, we recommend logging in or downloading the U.S. Bank Mobile App.

  1. Open the main menu and select Manage cards.
  2. Choose the card to submit the credit limit increase for.
  3. Select Request Credit Limit Increase. If the credit limit request link isn't displayed, call 800-285-8585. We accept relay calls.
  4. Provide your income and asset information, then select Continue to housing.
  5. Answer the questions regarding housing information, then select Review my request. 
    • Check the box at the top if your account has multiple owners and everyone shares the same address.
    • If the box is checked, we won't ask for the other owner's housing information.
  6. Verify the details are correct, then select Submit my request.

Additional information

For income and asset information, we're asking for the following details:

  • Your annual income.
  • The joint-owner’s annual income, if applicable.
  • Your monetary assets.
  • The joint-owner’s monetary assets, if applicable.

For housing information, we're asking for: 

  • The combined monthly housing payment, if applicable.
    Example: Rent is $900 and you're responsible for one-third. The total monthly housing payment for the home is $900.
  • Your monthly housing payment and if you own your home.
    Example: Rent is $900 and you're responsible for one-third. Your monthly housing payment is $300.
  • Joint-owner's monthly payment and if they own the home, if applicable.
    Example: Rent is $900 and the joint-owner responsible for two-thirds. Their monthly housing payment is $600.