{"id":96073,"date":"2025-11-27T11:05:18","date_gmt":"2025-11-27T16:05:18","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/en-ca\/?post_type=rbc_my_money_matter&#038;p=96073"},"modified":"2025-12-10T10:27:40","modified_gmt":"2025-12-10T15:27:40","slug":"should-you-increase-your-credit-card-limit","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/should-you-increase-your-credit-card-limit\/","title":{"rendered":"Should You Increase Your Credit Card Limit?"},"content":{"rendered":"\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<div class=\"wp-block-rbc-rbc-block drop-shadow pos-rel top-line-blue block-wpr\">\n<div class=\"wp-block-rbc-rbc-block-inner-block block-inner\">\n<h4 class=\"wp-block-heading\" id=\"h-tldr\">TLDR<\/h4>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>An increase to your credit card limit can offer greater flexibility and boost your credit score \u2013 but it should be weighed against your personal circumstances. &nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Understanding how a higher limit can affect your spending habits and long-term financial health will help you make an informed decision.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>A higher credit limit can better prepare you for larger purchases and emergencies, but you\u2019ll only get the full value by managing it responsibly.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Offered a credit card limit increase, or thinking of asking for one? &nbsp;A higher limit when managed responsibly can offer greater financial flexibility and improve your credit score.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-credit-limit\">What is a credit limit?<\/h2>\n\n\n\n<p>If you have a credit card, you are approved by your bank to spend up to a maximum amount and this upper boundary is your credit limit. &nbsp;Your limit is determined by factors such as your income, credit history, existing debts and overall financial profile.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-benefits-and-considerations-of-a-credit-limit-increase\">Benefits and considerations of a credit limit increase<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-text-reg-font-size is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:700px\">\n<table class=\"table-stack wp-block-rbc-stackable-table-block is-style-table-striped col-stack\"><tbody><tr><td><strong>Benefits<\/strong><\/td><td><strong>Considerations<\/strong><\/td><\/tr><tr><td>May boost your credit score if managed properly<\/td><td>Could lead to temptation to overspend<\/td><\/tr><tr><td>Greater flexibility to cover large purchases<\/td><td>Risk of accumulating additional debt<\/td><\/tr><tr><td>Better prepared to handle emergencies<\/td><td>Could hurt your credit score if mismanaged<\/td><\/tr><tr><td>Avoid overlimit fees<sup>1<\/sup> or declined transactions<\/td><td><\/td><\/tr><\/tbody><\/table>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-does-a-credit-limit-increase-affect-my-credit-score\">Does a credit limit increase affect my credit score?<\/h2>\n\n\n\n<p>If you\u2019ve been pre-approved for a credit limit increase, your bank may make what\u2019s called a \u2018soft inquiry\u2019 on your credit report, which does NOT affect your credit score. On the other hand, if <em>you<\/em> request a credit limit increase, it may involve a \u2018hard inquiry\u2019 on your credit report, which could cause a temporary dip in your score.<\/p>\n\n\n\n<p>The more important factor, however, is how you use the additional credit. A limit increase can help your score or hurt it \u2013 depending on how responsibly you manage your spending.<\/p>\n\n\n\n<p><strong>Tip: <\/strong>You can check your credit score for free online through credit bureaus like <a href=\"https:\/\/www.equifax.ca\/personal\" data-dig-id=\"LP-96073-8aa6d30e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Equifax\" class=\"rbc-link-format\">Equifax<\/a> or <a href=\"https:\/\/www.transunion.ca\/\" data-dig-id=\"LP-96073-d3099904\" data-dig-label=\"TransUnion\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">TransUnion<\/a>. If you\u2019re an RBC customer, you can also check it through the RBC Mobile app or &nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/dms\/olb\/credit-score\/index.html\" data-dig-id=\"LP-96073-68c6d6cf\" data-dig-label=\"RBC Online Banking\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">RBC Online Banking<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-advantages-of-a-credit-limit-increase\">Advantages of a credit limit increase<\/h2>\n\n\n\n<p>How does an increase in your credit limit help?<\/p>\n\n\n\n<p>A higher credit limit can help in a few key ways \u2013 from improving your credit score to giving you more flexibility when unexpected costs arise.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-it-can-improve-your-credit-score\">1. It can improve your credit score<\/h3>\n\n\n\n<p>Raising your limit reduces the percentage of available credit you\u2019re using, known as your credit utilization ratio. If your spending stays roughly the same, this can improve your credit score.<\/p>\n\n\n\n<p>For example, if you have a $2,000 credit limit and your monthly balance is regularly about $1,800, you\u2019re using 90% of your available credit. If your limit increases to $6,000 and your balance remains similar, your utilization drops to 30% &#8211; a level that financial experts generally consider healthy.<\/p>\n\n\n\n<p>A lower credit utilization ratio shows lenders that you manage credit responsibly, which can strengthen your credit score over time. It can also make it easier to qualify for loans, mortgages or other credit products in the future.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-it-offers-flexibility-for-larger-purchases\">2. It offers flexibility for larger purchases<\/h3>\n\n\n\n<p>If you have big-ticket purchases that come up every now and again, like vacation costs or home improvements, your current credit limit may not be high enough to cover your everyday expenses in addition to a larger one.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-it-provides-an-emergency-cushion\">3. It provides an emergency cushion<\/h3>\n\n\n\n<p>Having extra room on your credit card can give you peace of mind knowing that you can quickly cover unexpected expenses, such as car repairs or an out-of-pocket health expense, should it arise.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-it-helps-you-avoid-overlimit-fees-or-declines\">4. It helps you avoid overlimit fees or declines<\/h3>\n\n\n\n<p>If you often come close to your credit limit, increasing it can help you avoid having transactions declined or being charged over-limit fees, which typically range from $25 to $30 each time<sup>1<\/sup>.<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-block section-inner callout-block campaign\"><div class=\"callout  horizontal\"><div class=\"callout-content\"><div class=\"callout-copy\">\n<p><strong>Get tips on how to manage a credit limit increase<\/strong><\/p>\n\n\n\n<p>8-minute read: <a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-credit-cards\/how-to-use-a-credit-card-wisely-6-tips\/\" data-dig-id=\"LP-96073-08ee52d9\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"How to use a credit card responsibly: 6 tips\" class=\"rbc-link-format\">How to use a credit card responsibly: 6 tips<\/a><\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-things-to-consider-before-you-decide\">Things to consider before you decide<\/h2>\n\n\n\n<p>A credit card limit increase isn&#8217;t for everyone. If you know you&#8217;re likely to spend up to your limit, no matter how high it is, the risk of carrying more debt will outweigh the benefits.<\/p>\n\n\n\n<p>Before increasing your limit, think about:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc mar-l mob-mar-l\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Whether you tend to spend up to your limit<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>If you&#8217;re carrying existing balances on multiple cards<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Whether you can consistently pay more than the minimum each month<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>How you plan to use the extra credit \u2013 i.e., for emergencies or daily spending<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>If any of these give you pause, a credit limit increase may not be the right choice for you right now.<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-block section-inner callout-block campaign\"><div class=\"callout  horizontal\"><div class=\"callout-content\"><div class=\"callout-copy\">\n<p><strong>Learn about other lending options<\/strong><\/p>\n\n\n\n<p>3 minute read: <a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/credit-and-borrowing\/understanding-loans\/lending-101-the-facts-about-lending-options\/\" data-dig-id=\"LP-96073-17218f15\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Lending 101: The Facts about Lending Options\" class=\"rbc-link-format\">Lending 101: The Facts about Lending Options<\/a><\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-bottom-line\">Bottom line<\/h2>\n\n\n\n<p>A higher credit limit can be a useful tool, offering flexibility, the opportunity to improve your credit score and extra breathing room when you need it. But it only works in your favour if you manage it wisely.<\/p>\n\n\n\n<p>If you struggle with impulse buying or rely heavily on credit to pay for day-to-day expenses, it may be worth passing on the increase. Exploring alternate, lower-interest forms of credit may be a better option to help you reduce credit card debt and pay down your outstanding balances sooner.<\/p>\n\n\n\n<p>Before you request or accept an increase, be sure to consider your credit and spending habits to determine if it&#8217;s the right decision for your finances.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-to-increase-your-credit-card-limit\">How to increase your credit card limit?<\/h3>\n\n\n\n<p>Increasing your RBC credit card limit is fast and easy.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-if-you-ve-already-been-pre-approved\">If you&#8217;ve already been pre-approved<\/h4>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc mar-l mob-mar-l\">\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/www.rbcroyalbank.com\/nbo\/index.html?GOTO=PLICCLC&amp;PARM1=null&amp;PARM2=null&amp;PRODUCT=null&amp;MOBILE_GOTO=ccpli&amp;cc1=4514&amp;cc2=1314\" data-dig-id=\"LP-96073-71b6346f\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Sign in to RBC Online Banking\" class=\"rbc-link-format\">Sign in to RBC Online Banking<\/a>\u00a0and follow the steps presented.\u00a0<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-or-to-request-an-increase\">Or to request an increase<\/h4>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc mar-l mob-mar-l\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Sign into <a href=\"https:\/\/www.rbcroyalbank.com\/ways-to-bank\/online-banking\/index.html\" data-dig-id=\"LP-96073-458a407c\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"RBC Online Banking\" class=\"rbc-link-format\">RBC Online Banking<\/a>&nbsp;and select your RBC credit card. On the right side of the page, select Change credit limit and follow the instructions.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Call 1-800-769-2512<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-96073-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n\n\n\n<p>1 The Overlimit Fee is not applicable to RBC Avion Visa Infinite Privilege and RBC Avion Visa Infinite Privilege for Private Banking Accounts. The Overlimit Fee does not apply if any of you reside in Quebec. For more details on overlimit fees, including when they are charged, consult your RBC Royal Bank Credit Card Agreement.<\/p>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>Learn everything you need to know before you increase your credit limit, including the pros and cons, and how to do it.<\/p>\n","protected":false},"author":319,"featured_media":96209,"parent":85747,"menu_order":0,"template":"wp-custom-template-mmm-sticky-nav","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[62,510,520],"rbc_content_type":[31],"rbc_audience":[],"rbc_lob_group":[],"rbc_difficulty_level":[],"rbc_mmm_category":[319,304,569],"class_list":["post-96073","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-banking-digital-banking","tag-credit-and-debt","tag-managing-money","rbc_content_type-article","rbc_mmm_category-credit-and-borrowing","rbc_mmm_category-money-academy","rbc_mmm_category-understanding-credit-cards"],"acf":{"contently_publication_id":"","custom_author":"Diane 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