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],

I wish to request for an increase in my credit limit with XYZ Banking. It is currently pegged at $3,000.00. Since I travel quite a lot, I will need for this to be doubled to accommodate my overseas travel needs. I have always made timely payments, and my monthly income has also increased, so I am quite confident that there will be no problems with this request. Please let me know if you need more information or documents to process this request. You can call me at 434-3434. Thank you very much for your assistance.


[Senders Name]
[Senders Title] -Optional-

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