I’ve been an Amazon Prime Visa cardholder for a long time, so I’ve gone through the process of getting a higher spending limit myself. This guide pulls together practical tips from my own experience and solid money advice. It’s all to help you ask for a credit line increase on your Chase Amazon Prime Rewards Visa Signature Card and actually get it. We’ll stick to proven methods that Chase actually looks for. This way, your approach is smart and actually works.
Table of Content
- First, let’s get the basics down about credit limit increases.
- Next, get your financial profile ready to impress.
- Then, use your card in a smart way to show you’re reliable.
- When you’re ready, here’s how to actually make the request for a higher limit.
- If you get a no, don’t worry. We’ll cover what to do next and other options.
- Finally, we’ll talk about managing your credit limit for the long haul.
- Ready to get started?
- Got questions? Here are some common ones answered.
Let’s break down the basics of getting a higher credit limit.
Here’s how the card company, like Chase, checks you out when you ask for more credit.
The main idea is this: Chase looks at more than just a single score when you request a credit limit increase on your Amazon Prime Visa. They’ll do a hard credit check. That can ding your score a bit for a short time.
They also take a good look at your whole money situation. What matters most? How you’ve paid them on time, how much debt you have compared to your income, and how you’ve been using all your credit cards lately.
A recent report from the CFPB pointed out that paying your bills on time, every time, for 6 to 12 months straight is a huge green light for card companies.
Here’s a personal tip, based on my own experience and talking with money experts: before you apply for that Amazon Prime Visa credit limit increase, try to keep your card balances low. Say your limit is $5,000 right now.
Aim to owe less than $1,500 when your bill comes. This shows them you’re responsible and actually need the higher limit, not that you’re in a tight spot with money.
Now, there are two ways to get a higher limit: waiting for it or asking for it.
The wait-and-see method: Chase sometimes checks accounts on its own and gives out automatic credit limit increases. These checks are soft pulls, so they won’t hurt your credit score.
They usually give these bumps to customers who always pay on time and are spending more. But just waiting around for this can take forever. I didn’t get my first automatic increase until I’d used the card a ton and paid it off completely for a year and a half.
The ask-for-it strategy: If you need a higher limit faster—maybe for a big Amazon buy or to manage other debts—you have to ask Chase yourself. You can do this online in your Chase account or just call the number on your Amazon Prime Visa card.
Be ready to tell them how much more credit you want, and they might ask you to confirm how much money you’re making now. Just remember, they might say no, and this request will lead to a hard inquiry on your credit report.
Let’s get your finances ready to boost your chances.
First up, give your credit score a lift before you ask for that Amazon Prime Visa limit increase.
Start by grabbing your free yearly credit reports from AnnualCreditReport.com. Spot any mistakes? Like wrong late payments or accounts you don’t recognize, challenge them right away. They can really tank your score.
I once caught a small error on my Equifax report. Fixing it jumped my FICO score 15 points, which helped me get better credit offers.
Next, keep your credit card balances low compared to your limits. Try paying off part of your balance before your statement is generated, not just when the bill is due. Say you’re planning a big buy.
Make a payment in the middle of your billing cycle so your reported balance stays nice and low. Another smart move? Ask for higher limits on your other, older cards—but only if they don’t do a hard credit check. This lowers your overall credit usage.
Now, let’s talk about your income.
Lenders have to check if you can afford to pay them back. Got a raise, a new job, or some side hustle money since you got your Amazon Prime Visa? Go update your income info in your Chase account.
This won’t cause an instant review, but it means your info is up-to-date when someone checks your file for that limit increase. Focus on showing your steady income. Occasional freelance work might not count as much.
Your Debt-to-Income ratio, or DTI, is key. Just divide all your monthly debt payments by your total monthly income before taxes. Chase and other banks like to see a DTI under 36%.
Paying off some of your car loan or other credit card debt before you apply can really help your DTI look better. I knocked out a small personal loan, and it made a huge difference for my DTI. My request for a higher limit on my Amazon Prime Visa went much smoother.
Here’s how to use your card smartly to show you’re reliable.
Spending habits that banks pay attention to.
Spend consistently and often with your Amazon Prime Visa. Don’t just use it on Amazon, mix it up with different types of purchases. This shows you can manage all sorts of spending, like travel, eating out, and groceries.
But here’s the key: never get too close to your limit. Using up your entire limit every month is a big warning sign for them. Try to only use 20 to 50 percent of your available credit, and make sure you pay it back regularly.
I used my card for everything I bought day-to-day and paid the full bill each month. That really proved I was a reliable customer.
Using the whole Amazon network helps too. Sure, it’s good to spend in different places, but showing you’re a loyal Amazon customer also pays off. When you use your card at Whole Foods, for Amazon Fresh orders.
and obviously on Amazon.com itself, it shows you’re an active and valuable Prime member. Chase and Amazon talk about how much you buy and how loyal you are. That info can really help when they’re deciding on things like a credit limit increase.
Your payment history is the most important thing, no question.
Paying on time and in full is absolutely the top rule. Set up autopay for the minimum payment at the very least. That way, you won’t accidentally pay 30 days late, which could wreck your chances of a higher limit for a long time.
The best move is to pay the full balance. You’ll avoid interest charges and show you’re great with your money. Just one late payment on this card can lead to trouble. They might lower your limit or ignore your requests for an increase for quite a while.
How much you pay matters a lot. It’s crucial to pay more than the minimum, and the full balance is the goal. This proves you don’t need credit just to cover your everyday bills.
If the bank’s reviewers see you only ever pay the minimum, they’ll think you’re risky, even with a perfect on-time record. I got into the habit of logging in and making a payment every couple of weeks. This kept my credit usage looking really low and demonstrated I had my finances under control.
Executing the Limit Increase Request
Choosing the Right Request Method
The easiest way is usually through Chase’s online banking or their mobile app. Just go to your Amazon Prime Visa account, find the section for Account Services or Credit Card Tools, and then click on Request a Credit Limit Increase.
They’ll ask you to put in your yearly income and how much of a higher limit you want. Most of the time, the online system gives you an answer right away, or at least within 30 days. I tried this method myself and it worked.
You can also just call the number on the back of your card to talk to a real person. Calling is a good idea if your case is a bit more complicated, like if you just got married and are now combining incomes.
Just be polite, speak clearly, and sound sure of yourself. Make sure you have your current yearly income and the new limit you’re hoping for ready to go.
The person on the phone will tell you if they need to do a hard credit check and might give you a preliminary answer or tell you what happens next. Oh, and just so you know, they usually record those calls for training purposes.
What to Say and What to Avoid
When you talk to them, get straight to the point. Just say something like, If they ask why, give them good reasons. Tell them your credit score is better now, you’re making more money, or you want to keep your credit usage low to help your score.
Don’t tell them you’re about to buy a bunch of furniture or book a big trip. That can make you look risky.
After you ask, here’s what happens. If they say yes, you’ll usually see the new limit on your account in a few business days. If they say no, don’t worry. Chase has to send you a letter explaining why.
It might be because your income isn’t high enough, you haven’t had the card long, or you owe too much on other cards. Use that info to work on your finances.
Then, wait a good six months before you ask for another Amazon Prime Visa credit limit increase. Don’t keep asking over and over quickly. Every request can lead to a hard inquiry on your credit report, which hurts your score.
Navigating Denials and Alternative Paths
Understanding and Responding to a Rejection
So, if Chase says no to your Amazon Prime Visa credit limit increase, you’ll get a letter explaining why, based on the Fair Credit Reporting Act. Usually, it’s stuff like you’re using too much of your current credit.
or you haven’t had the card long enough. Don’t take it as the end of the road. Think of it as a cheat sheet showing you what to fix. Say they mention your balances are too high. Just make a plan to pay them down over the next few months, then try again for that limit increase.
Reconsideration and Re-application: Right after a denial, you can call Chase’s reconsideration line and make your case, especially if something just changed, like you paid off a big loan. But there’s no promise they’ll change their mind.
A surer bet is to fix what the letter says, wait about six months to a year, make sure your credit report looks better, and then reapply. The real secret is being patient and making steady improvements.
When to Consider a New Card or Product Change
Exploring Other Chase Cards: If bumping up your Amazon Prime Visa limit is tough, you might get approved for a different Chase card that starts with a higher limit.
For example, applying for a Chase Freedom Unlimited card could get you more credit to use. Just know the trade-off: a new application means a hard pull on your credit and a new account, which can bring down your average account age.
Check Chase’s pre-qualification tools first—that only uses a soft inquiry, so it won’t hurt your score.
Strategic Product Change: If you’ve handled your Amazon card well for a year or so, you could ask about switching it to a different Chase Visa Signature card. But honestly, options are pretty limited since it’s a store card.
A more practical move is to just be a star customer. Sometimes, if you have perfect history for a while after they say no, the bank might just offer you a higher limit out of the blue. I know folks who got a surprise increase after a full year of perfect payments following a denial.
Managing your credit limit for the long haul.
How to keep up with and use your new, higher limit.
Once you get that limit increase, don’t go on a spending spree. It’s not a free pass to buy more stuff. Stick to your good habits—spend wisely and pay on time. That’s how you stay in good shape and get even higher limits later.
If you suddenly charge a ton or let your balance get too high again, Chase might take a closer look. They could even lower your limit. The best way to use that bigger limit? Keep your credit card balances low compared to the limit. This helps your credit score climb up.
Keep an eye out for automatic checks. Even with a higher limit, Chase will still review your account now and then. To keep them happy, skip cash advances, make sure your payments go through, and use the card every so often.
Turn on alerts for big charges or when you’re close to maxing out your limit. It’s a smart way to handle your new spending power.
Here’s your checklist before you ask for an Amazon Prime Visa limit increase.
| Step | What to Do | What You’re Aiming For |
|---|---|---|
| 1. | Look over your credit report and score. | FICO Score 6.70 ; No errors on report |
| 2. | Figure out your credit usage and bring it down. | Below 3.0% on all cards, ideally below 1.0% |
| 3. | Update your income info with Chase. | Put down your real, yearly income before taxes—something you can prove. |
| 4. | Make sure your payment history is spotless. | No late payments in last 6.-1.2. months |
| 5. | Pay down your total debt. | Debt-to-Income Ratio below 3.6.% |
| 6. | Hold off if you’ve recently applied for credit. | At least 6. months since last hard pull/new account |
Let’s compare the different ways you can ask for that Amazon Prime Visa limit increase.
| How to Ask | Upsides | Downsides | Who It’s Good For |
|---|---|---|---|
| Online | It’s quick, you do it yourself, and you often get an answer right away. | You can’t really explain your situation, and it’s all done by a computer. | People who have a simple, strong credit history. |
| Calling In | You talk to a real person and can explain your side of the story. | If your case is tricky, or if the online request got turned down. | Waiting for an Automatic Increase |
| No hit to your credit score, and you don’t have to lift a finger. | You never know when it’ll come, and it might not come at all. | Folks with a great, long history with the card who don’t mind waiting. | So, to sum it up, getting that Amazon Prime Visa limit increase is all about prep work. Before you ask, get your credit score, card usage, and income info in top shape. |
You’ve gotta use the card regularly and wisely, and always pay on time. That’s the absolute must-have foundation. Downsidesistent, responsible card usage and perfect payment history form the non-negotiable foundation. Remember, each hard inquiry has a cost, so timing is crucial.
So, you’re thinking about taking that next step?
Got tips or questions about getting an Amazon Prime Visa credit limit increase? Drop them in the comments!
Or, if you want to boost your chances next time, check out our full guide on rebuilding your credit score. It’ll help you strengthen your financial profile for future applications.
Here are some common questions people ask.
So, does asking for a higher limit on your Amazon Visa hurt your credit score?
Yeah, it usually does, but just for a little while. When you ask for that Amazon Visa credit limit increase, Chase does a hard pull on your credit report.
That hard inquiry can knock your FICO score down by 5 to 10 points, and that dip can stick around for up to a year. But if you get approved, that new, higher limit is good news. It lowers your overall credit utilization ratio.
That means your score can bounce back and might even get better over the next few months. Think of it as a small, temporary hit for a possible bigger win down the road.
How soon can you ask for another Amazon Prime Visa credit limit increase?
Chase doesn’t give an official rule, but the smart money says to wait at least six months between asking for Amazon Prime Visa credit limit increases. Ask more often, and you’ll rack up hard inquiries.
That’ll really hurt your score and Chase will probably just say no. It’s better to spend the 6 months actively improving the factors that caused a previous denial.
What kind of income should you report to get a higher credit limit?
There’s no one magic number. It really depends on your other debts and how Chase crunches the numbers. The main thing is to report your true total yearly income from every source you have—your job, investments, anything like that.
If you’re making a lot more money now than when you opened the account, that’s a perfect reason to ask for a higher limit. Chase looks at your debt-to-income ratio. So, a bigger paycheck that lowers that ratio works in your favor.
Does using your card a lot on Amazon help you get a credit limit increase?
Spending more can help, but only if you pay the whole bill on time, every time. If you just run up a bigger bill but don’t have a track record of paying it off, Chase might see that as risky.
What really shows you can handle a higher limit is using your card a lot—on Amazon and elsewhere—and always paying it back reliably. But remember, your overall credit health is the biggest deal for Chase, not just how much you shop on Amazon.
