# FAQ Friday: Credit limit increases 💳 **URL:** \ **Category:** Community Lounge\ **Created:** [August 7, 2026, 4:00pm UTC](https://neofinancial.discourse.group/t/faq-friday-credit-limit-increases/6475 "2026-08-07T16:00:46Z")\ **Posts on this page:** 18\ **Page:** 1
**Author:** ![Yeni-Neo](https://sea2.discourse-cdn.com/flex002/user_avatar/neofinancial.discourse.group/yeni-neo/32/2246_2.png) [@Yeni-Neo](https://neofinancial.discourse.group/u/Yeni-Neo)\ **Post date:** [August 7, 2026, 4:00pm UTC](https://neofinancial.discourse.group/t/faq-friday-credit-limit-increases/6475/1 "2026-08-07T16:00:46Z")
We’ve seen a few questions about credit limit increases come up lately, so here’s a quick refresher: **Can I request a credit limit increase?** Yep! You can request one through the Neo app. **Will my request automatically be approved?** Not necessarily. Each request goes through a review, and approval depends on a number of factors. **Does asking for an increase hurt my credit score?** A request for a credit limit increase may involve a credit check, depending on the situation. **Do I need to increase my limit?** Not at all! A higher limit can give you more flexibility, but what matters most is using your credit comfortably and making your payments on time. Still have questions about credit limits? Drop them below 👇 ---
**Author:** ![Moofo](https://sea2.discourse-cdn.com/flex002/user_avatar/neofinancial.discourse.group/moofo/32/2514_2.png) [@Moofo](https://neofinancial.discourse.group/u/Moofo)\ **Post date:** [August 7, 2026, 4:20pm UTC](https://neofinancial.discourse.group/t/faq-friday-credit-limit-increases/6475/2 "2026-08-07T16:20:45Z")
I wanted to raise my limit a few weeks go but stupidly forgot to unlock my credit at the credit bureaus. Is there anyway to ask again without waiting 3 months ? ---
**Author:** ![San10](https://sea2.discourse-cdn.com/flex002/user_avatar/neofinancial.discourse.group/san10/32/2510_2.png) [@San10](https://neofinancial.discourse.group/u/San10)\ **Post date:** [August 7, 2026, 4:30pm UTC](https://neofinancial.discourse.group/t/faq-friday-credit-limit-increases/6475/3 "2026-08-07T16:30:25Z")
What factors are considered before making a decision? I am curious to understand the process. ---
**Author:** ![Yeni-Neo](https://sea2.discourse-cdn.com/flex002/user_avatar/neofinancial.discourse.group/yeni-neo/32/2246_2.png) [@Yeni-Neo](https://neofinancial.discourse.group/u/Yeni-Neo)\ **Post date:** [August 7, 2026, 5:03pm UTC](https://neofinancial.discourse.group/t/faq-friday-credit-limit-increases/6475/4 "2026-08-07T17:03:46Z")
@San10 The review process can vary from customer to customer, so I wouldn’t be able to share the specific criteria used for an individual credit limit increase decision. From a general perspective, things like payment history, credit utilization, and your overall credit profile can play a role. Other factors that may be considered include the length of your credit history, your existing credit accounts and obligations, your account history with Neo, and your overall card usage and payment patterns. Every request is reviewed individually, and these factors don’t guarantee an approval. ---
**Author:** ![Yeni-Neo](https://sea2.discourse-cdn.com/flex002/user_avatar/neofinancial.discourse.group/yeni-neo/32/2246_2.png) [@Yeni-Neo](https://neofinancial.discourse.group/u/Yeni-Neo)\ **Post date:** [August 7, 2026, 5:13pm UTC](https://neofinancial.discourse.group/t/faq-friday-credit-limit-increases/6475/5 "2026-08-07T17:13:49Z")
@Moofo Ah, that makes sense! I can see you’ll be able to request another increase on the 27th, but we aren’t able to bypass the waiting period. Hopefully the next request goes smoothly once your credit is unlocked. ---
**Author:** ![Ryan](https://sea2.discourse-cdn.com/flex002/user_avatar/neofinancial.discourse.group/ryan/32/2548_2.png) [@Ryan](https://neofinancial.discourse.group/u/Ryan)\ **Post date:** [August 7, 2026, 10:35pm UTC](https://neofinancial.discourse.group/t/faq-friday-credit-limit-increases/6475/6 "2026-08-07T22:35:05Z")
Speaking of this, I bet I’m not alone in feeling like credit score calculations resemble [the bailout process from South Park with the chicken](https://www.youtube.com/watch?v=dvYvQeNeq3A). I’m sure there’s a variety of secret and shareable factors, both personalized and generally applicable, and to the maximum extent possible, letting people see everything they can would give much welcomed clarity into the process! To that end, I think it would be cool to get: - a rundown on the universally applicable factors that make it move as just a help article, either here, or on the site, reddit, etc. (if it doesn’t already exist), and (if you wanna go the extra mile) - a personalized breakdown in the app/website that shows what specifically contributed to driving _your score_ up and/or down since the last reading (if it doesn’t already), and what you could do to improve it going forward. I don’t yet have access to the credit score tracking on the website/app so for all I know it already does this (or is planned to soon) and if so, awesome, and sorry! 😅 But it came to mind so thought I’d share. ---
**Author:** ![melsadeek](https://avatars.discourse-cdn.com/v4/letter/m/71c47a/32.png) [@melsadeek](https://neofinancial.discourse.group/u/melsadeek)\ **Post date:** [August 11, 2026, 1:27am UTC](https://neofinancial.discourse.group/t/faq-friday-credit-limit-increases/6475/7 "2026-08-11T01:27:09Z")
honestly, while I love the Neo card features and cash back, but I hate the credit increase portion. it took them 2 years to increase my limit and I had to make several requests. Current limit, been there for 3 years now, and no change, requested and I denied. A feature maybe we need to include is the auto credit increase like other cards, depending on usage and not based on request. ---
**Author:** ![San10](https://sea2.discourse-cdn.com/flex002/user_avatar/neofinancial.discourse.group/san10/32/2510_2.png) [@San10](https://neofinancial.discourse.group/u/San10)\ **Post date:** [August 11, 2026, 2:35pm UTC](https://neofinancial.discourse.group/t/faq-friday-credit-limit-increases/6475/8 "2026-08-11T14:35:37Z")
I have read that higher credit limit vs actual usage can negatively impact the credit score. But if in general case it’s an actual need I would agree it needs to be automatically looked into or give user the option to accept increase or decline. ---
**Author:** ![Ryan](https://sea2.discourse-cdn.com/flex002/user_avatar/neofinancial.discourse.group/ryan/32/2548_2.png) [@Ryan](https://neofinancial.discourse.group/u/Ryan)\ **Post date:** [August 12, 2026, 11:00pm UTC](https://neofinancial.discourse.group/t/faq-friday-credit-limit-increases/6475/9 "2026-08-12T23:00:21Z")
I have to update this since I just got access and can see what they show and it’s basically exactly what I was imagining and hoping for. You get not only the number but a full break down of the factors that contribute positively and negatively with impressive detail \<3 Nice work guys! ---
**Author:** ![GrantLahring\_Neo](https://sea2.discourse-cdn.com/flex002/user_avatar/neofinancial.discourse.group/grantlahring_neo/32/1124_2.png) [@GrantLahring\_Neo](https://neofinancial.discourse.group/u/GrantLahring_Neo)\ **Post date:** [August 20, 2026, 5:14pm UTC](https://neofinancial.discourse.group/t/faq-friday-credit-limit-increases/6475/10 "2026-08-20T17:14:19Z")
Very glad to hear it! I saw your post and tried to replicate it, and ended up getting a CLI. Lucky me haha ---
**Author:** ![PhilJ1](https://sea2.discourse-cdn.com/flex002/user_avatar/neofinancial.discourse.group/philj1/32/1495_2.png) [@PhilJ1](https://neofinancial.discourse.group/u/PhilJ1)\ **Post date:** [August 20, 2026, 11:21pm UTC](https://neofinancial.discourse.group/t/faq-friday-credit-limit-increases/6475/11 "2026-08-20T23:21:21Z")
> [@San10](#): > > I have read that higher credit limit vs actual usage can negatively impact the credit score. Don’t know where you read that but it’s wrong. A higher, unused credit limit means a lower utilization ratio both on that account and overall. This in turn can increase your score a little. ---
**Author:** ![GrantLahring\_Neo](https://sea2.discourse-cdn.com/flex002/user_avatar/neofinancial.discourse.group/grantlahring_neo/32/1124_2.png) [@GrantLahring\_Neo](https://neofinancial.discourse.group/u/GrantLahring_Neo)\ **Post date:** [August 21, 2026, 3:07pm UTC](https://neofinancial.discourse.group/t/faq-friday-credit-limit-increases/6475/12 "2026-08-21T15:07:42Z")
You’re right, AFAIK. Totally unused credit lines do help with utilization and account history, but don’t increase on-time payments so they’re usually not super impactful. I suspect, but don’t know for sure, that having tons of open credit might be a negative at some point, just because the total exposure could get really high. I have seen this play mostly for people who suddenly start businesses, or get divorced. ---
**Author:** ![Moofo](https://sea2.discourse-cdn.com/flex002/user_avatar/neofinancial.discourse.group/moofo/32/2514_2.png) [@Moofo](https://neofinancial.discourse.group/u/Moofo)\ **Post date:** [September 16, 2026, 8:17pm UTC](https://neofinancial.discourse.group/t/faq-friday-credit-limit-increases/6475/13 "2026-09-16T20:17:40Z")
I’m sorta unhappy. I requested a limit increase again and was denied. Some other card has no problem giving me the 8k I would Like. Currently stuck at 6k. paid my bill on time every month. Starting to look at my options. ---
**Author:** ![GrantLahring\_Neo](https://sea2.discourse-cdn.com/flex002/user_avatar/neofinancial.discourse.group/grantlahring_neo/32/1124_2.png) [@GrantLahring\_Neo](https://neofinancial.discourse.group/u/GrantLahring_Neo)\ **Post date:** [September 18, 2026, 10:44pm UTC](https://neofinancial.discourse.group/t/faq-friday-credit-limit-increases/6475/14 "2026-09-18T22:44:04Z")
I feel you, it can be frustrating when you’re not getting increases. Out of curiosity, why do you need the bump? $6k is a reasonably large amount to put on a credit card every month. ---
**Author:** ![Moofo](https://sea2.discourse-cdn.com/flex002/user_avatar/neofinancial.discourse.group/moofo/32/2514_2.png) [@Moofo](https://neofinancial.discourse.group/u/Moofo)\ **Post date:** [September 22, 2026, 7:54pm UTC](https://neofinancial.discourse.group/t/faq-friday-credit-limit-increases/6475/15 "2026-09-22T19:54:06Z")
One car repair here. A vacation there. It adds up quickly. It also provides the freedom to buy other stuff such as when I had to replace my heat pump (6k$) with less planning. obviously points are interesting too. ---
**Author:** ![GrantLahring\_Neo](https://sea2.discourse-cdn.com/flex002/user_avatar/neofinancial.discourse.group/grantlahring_neo/32/1124_2.png) [@GrantLahring\_Neo](https://neofinancial.discourse.group/u/GrantLahring_Neo)\ **Post date:** [September 22, 2026, 11:23pm UTC](https://neofinancial.discourse.group/t/faq-friday-credit-limit-increases/6475/16 "2026-09-22T23:23:21Z")
I guess it’s more cushion if you’re moving more money through your accounts each month. Given that credit cards are expensive, I imagine you’re still intended to pay those things off in the payment month anyway? ---
**Author:** ![Moofo](https://sea2.discourse-cdn.com/flex002/user_avatar/neofinancial.discourse.group/moofo/32/2514_2.png) [@Moofo](https://neofinancial.discourse.group/u/Moofo)\ **Post date:** [September 23, 2026, 2:05am UTC](https://neofinancial.discourse.group/t/faq-friday-credit-limit-increases/6475/17 "2026-09-23T02:05:31Z")
Absolutely. Keep in mind also that advantages such ans extended warranty is useful and appliances are expensive I saved 800 on a dishwasher repair when it broke outside the warranty but was still covered by the card. I can move money throughout the month, it’s just annoying. ---
**Author:** ![GrantLahring\_Neo](https://sea2.discourse-cdn.com/flex002/user_avatar/neofinancial.discourse.group/grantlahring_neo/32/1124_2.png) [@GrantLahring\_Neo](https://neofinancial.discourse.group/u/GrantLahring_Neo)\ **Post date:** [September 28, 2026, 4:39pm UTC](https://neofinancial.discourse.group/t/faq-friday-credit-limit-increases/6475/18 "2026-09-28T16:39:21Z")
Warranty is becoming a non-negotiable as the lifespan of appliances is shortening. I don’t like the trend myself. Re: limits — understood!