How to Dramatically Increase Your Credit Limit in 2025 (ULTIMATE GUIDE)

[@KevinYang]

💳Learn more about my favorite cards ➡ kevinyang.info/credit-cards

[@SpencerJohnsonOfficial]

Dude your editing has been top-tier lately. Great work man! This video is full of great information too. I actually just got a credit limit increase on my Citi Custom Cash that I'll be posting in a video later this year. It's a good time to get those CLI requests in! 💰

[@KevinYang]

Congrats on the increase! Definitely a great time.

[@SpencerJohnsonOfficial]

@@KevinYang Yeah Citi was a bit stingy with the limit increase but I’ll take what I can get. I wish I had a $30k limit on a card like yourself! Maybe once I take the leap to a luxury travel card that’ll be the case.

[@KevinYang]

@@SpencerJohnsonOfficial Soon!

[@RedArm1200000000]

Good point helped a lot

[@MannyCovington]

Great tips! Definitely gonna take advantage of this!

[@KevinYang]

Thanks for watching Manny!

[@evieparada]

Great video. Thanks for the tips & advice.

[@KevinYang]

Thanks for watching!

[@Theturbobooster]

I have a total of 2,050 across 5 cards how do i get thrm all up to say 1500 or higher each card

[@chrisv4920]

That’s awesome, I just got my cap1 quicksilver increase. How long should I wait for another request? Thanks

[@KevinYang]

Cap1 let's you do so once every 6 months I believe!

[@412foto]

just curious....when you say never max it out...does that include maxing it out even if you pay it off right away? for example, I have a card with a $500 limit. I max it out 2-3 times a month but then pay it off the same number of times too and have a utilization before reporting at under 10%

[@KevinYang]

I think there's a fine line there. It's unclear exactly when each company reports balances to the credit bureaus, so if they happen to do so when you still have the high balance, then that's not great. I think if you do it from time to time, or you've already been doing it and notice on apps like Credit Karma that your utilization is still low, should be fine!

[@412foto]

@@KevinYang I thought the balance at the end of your reporting period was what was reported to the bureaus...no? I only have 3 cards currently. 2 I aligned to the same end of billing period dates and doing same for 3rd so they will all be in sync and easier to manage

[@KevinYang]

@@412foto I've actually heard conflicting things about when the reporting date is vs. cycle end vs. payment date. But best is to see if your current way of doing things shows as a low or high utilization on your credit report!

[@docsays]

@@412foto - most banks & CUs tend to report your balance on the statement closing date. However its not guaranteed. For Example Synchrony has occasionally reported my balance after my payment due date. Kinda strange

[@seanrobin6573]

As Long As You Pay it Off Before the Statement Date

[@Seachange01120]

Great content. The credit cards with the highest limits in my household are under my name and my spouse is an additional cardholder on my account. However, he pays many of our monthly expenses using his additional card. Is it better that household bills be paid under my card when it comes to working toward getting a higher credit limit or does it not matter since all the activity is under my account any way?

[@JaytizalOKC]

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[@wanderingdoc5075]

I have a $200,000 total credit limit, my only Capital One card is the venture x. Also approved at 30k. Do you think there's no harm in trying to get a credit limit increase? I've never asked for one but the banks just seem to raise it themselves.

[@KevinYang]

Capital One lets you try for a credit limit increase once every 6 months via soft pull, so no harm in trying! Good luck!

[@MessageJEFCRACKSoninstagram]

👆👆thanks to him I got back my scores fixed in no time

[@tarrius1210]

Good Job, with this video.

[@matthewkehm5878]

Great video bro! Question that I do not see on a lot of credit card videos - Do you know if having such high credit limits hurt your ability to get approved for a mortgage (ie your income is 100K but have 150k+ credit limit)?

[@KevinYang]

I don't think so! I think the opposite because having high credit limit while lets you utilize a really low % which increases your credit score and therefore better mortgage terms!

[@masadate86]

Please do Capital One bucket video, I’m stuck 😢

[@Omega_thehusky]

5:10 thats weird i thought they gave me my credit limit increase because iw as maxing out my card xD i literally got an autoed one after a few times of maxing it out

[@docsays]

- the banks like customers who use their credit line, but also quickly pay it back.

[@seanrobin6573]

Only, If you MAX IT OUT And Pay it Off before the Statement Date

[@Jsperal]

Do they check your credit in every request?

[@KevinYang]

Depends! That's where the soft vs. hard pull comes into play :)

[@googlex3894]

I have 4 credit cards that don’t do hard pulls when I ask for credit limit increase, so I asked them every six months. These cards are my capital one card, my American Express card, my Apple Card and my Discover card.

[@seanrobin6573]

“Absolutely Magnificent Insight and Information, Thank you Very Much for Utilizing this Platform. To Educate, Inspire and Motivate

[@theinternationalist1357]

Wow, that's a high credit limit you have. I credit limit is only $7k.

[@KevinYang]

Stick to great credit card habits and you'll get there in no time!

[@theinternationalist1357]

@@KevinYang ok thanks. Also, I put 2 people as an authorized user on my Venture x card, does it help the authorized users credit too. Does it help their fico score and do C1 report to credit bureaus on their credit?

[@DNOJ]

85k

[@MessageJEFCRACKSoninstagram]

👆👆thanks to him I got back my scores fixed in no time 😊

[@crappysoup]

I only clicked out of curiosity since this is from the future 😂

[@Adamantinne]

It's not actually correct to make full on-time payments, this will lower your score, you need to have at least one account in debt for example 10 USD, my advice if you have just only one credit card do not pay in full, you will get -19 point down (in my case). That called all zero penalty.

[@thefootball8652]

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[@h4l3x5]

VERY well done ! I say this with 40+ years in mortgage finance & banking working with credit bureaus. Different models and parameters are used by different industries but COGNITIVEHACKS info is pretty much universal. If you're trying to max your credit scores, there is a happy medium between too many credit cards and none. Too many cards with zero balnce may actually hurt you in some cases. Even if you do not use them, you have a potential. To always pay cash & still have cards doesn't help your scores as well

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[@JaytizalOKC]

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[@MessageJEFCRACKSoninstagram]

👆👆thanks to him I got back my scores fixed in no time