Letter example to request an increase in credit limit


  1. When you need to increase your credit limit, you should write a letter for this purpose. Mention your reason for needing more credit. Tell the creditor how good your previous record has been. The tone of your letter should be formal, and the language should be unambiguous and objective.
  2. Get directly to the point and request the creditor an increase in your credit limit.
  3. Mention the reasons for needing a higher credit limit.
  4. Tell them to take a look at your spotless previous record.
  5. Request the creditor to answer your letter.


[Senders Name]
[Address line]
[State, ZIP Code]

[Letter Date]

[Recipients Name]
[Address line]
[State, ZIP Code]

[Subject: Normally bold, summarizes the intention of the letter] -Optional-

Dear [Recipients Name],

We are writing to request a credit limit increase. It is currently at $5,000. Due to some overseas trips, we will be going on in the next quarter of the year, we will need it to be raised to $8,000. We have found your card to be the best in rewards and flexibility and have therefore chosen this to be our primary mode of payment. We hope that you will be able to grant this request after reviewing our payment history, which has been spotless for the past couple of years. Should you need more information, please feel free to give us a call at 434-3434. Thank you.


[Senders Name]
[Senders Title] -Optional-

[Enclosures: number] - Optional -
cc: [Name of copy recipient] - Optional -