If the credit limit is not increased even after using the credit card for a long time, then the matter is not as expected. Because if the credit limit increases, it is ultimately your profit. But the good thing is, if you follow some simple methods, the credit card limit can be increased a lot. Here are five such methods.

Don’t forget to update your income

Usually, employees get a salary increase every year. If your salary or income has also increased recently, then you need to inform the bank about it. Because if you do not provide this information, the bank does not increase the credit limit. The latest income details can be updated through the banking app or customer service.

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Send the request to the bank yourself

Sometimes banks do not automatically increase the credit card limit. In such cases, the customer can request it. A request for credit limit increase can be submitted through the mobile app, email or customer service. If the profile is correct, the bank will definitely take it into account.

Spend less than your card can handle

If you use up most of your credit limit each month, it sends a negative signal to the bank. You should try not to use more than 30 percent to 40 percent of your credit card’s total limit. Low usage means you are not dependent on credit.

Don’t apply for new cards frequently

Many people think that getting a new credit card will automatically increase their total credit limit. But that’s not always the case. Applying for new cards repeatedly can affect your credit profile. So, you should increase the limit on the cards you have.

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Pay the full amount on time

Payment history plays an important role in increasing your credit card limit. Paying the bill in full on time every month gives the bank confidence that the customer is a responsible user.