How do I request a credit limit increase?

Credit limit increase requests can be submitted using digital banking. If your account has a joint owner, we’ll need their details as well. Before doing so, you’ll need to have the following information available:

  • Annual income of owner(s).
  • Monetary assess of owner(s).
  • Combined monthly housing payment*.
  • Portion of the housing payment the owner(s) are responsible for**.

To request a credit limit increase on your credit card using digital banking

  1. Choose the credit card you’d like to request an increase on.
  2. Online banking: Select Account services, then choose Request Credit Limit Increase. 
    U.S. Bank Mobile App: Select Manage, then choose Request Credit Limit Increase.
  3. Provide your income and asset information, then select Continue to housing.
  4. 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.
  5. Verify the details are correct, then select Submit my request.

*The combined housing payment includes the full amount paid each month.

**The portion of the housing payment we’re looking for is the specific dollar amount each individual owner is responsible for.
Example 1: If you’re making the housing payments in full:

  • And there is no joint owner, enter the full payment amount.
  • And there is a joint owner, but is NOT responsible for the housing payment, enter $0 for them.

Example 2: If the full housing payment is split in half each month:

  • And there is no joint owner, enter your half the housing payment amount. Do not include the other person’s portion.
  • And there is a joint owner who’s responsible for half the housing payment, enter what portion they pay.

More information

To freely explore our digital banking services without using your own account, visit our Digital Banking Simulators page. If you'd like a step-by-step tutorial on how to use a specific service or feature, check out our Digital Explorer page.