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Jul 2, 2018

Increasing credit card limit

Hello! I’m wondering if it is possible to request a credit card company to increase one’s credit limit. Has anyone here already experienced doing that? If yes, how tough was it? Thanks!

Weellee

Weellee

A teacher by profession, yet always a student of life. Currently living in Kanto, but in love with Kyushu.

9 Answers



  • helloalissa

    on Jul 2

    Not personally, but a friend used to do that from time to time. He'd call up customer service and say, "I've been a customer for ~ years, I always pay my bill on time, so I think I should qualify for a higher limit." He said sometimes it didn't work out, but he'd just try again a couple months later. Maybe he would also mention that he was approved for a higher credit limit with another credit card company. In Japan, there isn't an open credit score you can check like in the US, but they might have something internally. It's mostly based off of your income, so if that has gone up you could mention that point. I think if you just politely ask, the worst thing that can happen is they tell you 'not right now.' Might be hard to do in Japanese, but are you talking about a Japanese credit card or one back home?

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  • Weellee

    on Jul 2

    @helloalissa I'm talking about a Japanese credit card. I use it quite often, and while most of the time I stay within my small credit limit, lately I've been getting that card maxxed out. With my rather limited Nihonggo, I don't think I'll have any luck requesting - unless I ask someone who can speak Japanese to help me out. I'll give it a try. Thanks!

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  • thepangans

    on Jul 3

    Hi @Weellee what is your credit card company? I've been in rakuten for 3years and they just automatically increase my credit limit.

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  • kcsantosh

    on Jul 3

    Yes, i have increased by credit card limit. I think they will check your transaction history, visa duration and salary. It is not tough.

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  • Eli

    on Jul 3

    I use Rakuten card and you can just request the increase online. I haven't tried it before though. I would assume they judge your past usage of the card to check whether you are eligible for an increase.

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  • Weellee

    on Jul 6

    @thepangans My credit card is Delta JCB. Well, I already called their toll-free number and turns out, you can request for an English-speaking operator (hehe). So now I just have to wait for their reply, which they said will take about a week.

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  • Weellee

    on Jul 19

    Ok, just an update: so I already got the credit card limit increase. (yey!) The best part was: they have an English-speaking operator. All that worry for nothing, hehe. Still, yey!

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  • helloalissa

    on Jul 21

    Oh that's good you could ask in English and got it worked out. I wonder if a lot of the credit card companies in Japan will have English speaking operators available.

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  • Weellee

    on Jul 21

    @helloalissa As far as I can recall Mastercard has English speaking operators - or they forward the calls to their call centers abroad. They were very helpful. Haven't tried Visa yet, though.

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