Your credit limit has increased

@maliktalksreal

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SoundTikTok sound · original sound - maliktalksreal

View velocity

+8.6K views over 3.1d · ~2.7K/day · 4 observations

Promoted product

Chase Freedom Unlimited

Earn unlimited 1.5% or more on all purchases, like 3% on dining and drugstores and 5% on travel purchased through Chase Travel(SM).

2 videos2 creators

Why it worked

The video provides a clear, step-by-step tutorial on a topic many people are interested in (increasing credit limits) and addresses a common concern (hard credit pulls). The creator's personal success story and the demonstration within the app make the information relatable and actionable.

Summary

The video demonstrates how to request a credit limit increase on a Chase credit card through the mobile app without a hard credit pull. It guides viewers through the process of navigating the app, finding the 'See offers' section, and filling out the required income and mortgage information. The creator confirms that Chase performs a soft pull for this request and shares their successful outcome of increasing their credit limit.

Structure

1Introduction to credit limit increases and fear of hard pulls
2Explaining Chase's soft pull policy
3

Original caption

My Chase limit went from $13,800 → $16,500 from one request. 💳📈 If Chase shows you the credit limit increase option, you can request an increase directly through your account. I walk through exactly where I went, what Chase asked me for, and how the process worked on my account. And yes — I confirmed Chase did not perform a hard inquiry for this request. Always read the disclosures shown for your request before submitting, because lender policies/processes can change. Higher limits aren’t an excuse to spend more either. Used responsibly, more available credit can make it easier to maintain lower utilization. Save this for the next time you check your Chase account. 👀 #ChaseCreditCard #CreditLimitIncrease #CreditTips #CreditCards #BuildCredit

More from @maliktalksreal

More breakout videos from this creator.

Transcript

There's a lot of people out there who are scared to ask for credit line increases because they don't know which banks do a soft pull and a hard pull. Chase is one of those banks that does a soft pull. I'm gonna show you exactly what to look for so you can see if you're eligible for a credit line increase. The very first thing you wanna do is obviously open up the app. And if you have one credit card, click on that one credit card. Or if you have numerous, click on any of the ones that you want an increase for. And for me, that's gonna be the Chase Freedom Unlimited. So once you clicked on whatever credit card you want an increase for, you're gonna see your available credit. And under your available credit, something that says "See offers." That is exactly what we wanna click on. On "See offers," you're gonna be prompted with two options. Credit limit increase for one, or move credit. We're focusing on the credit limit increase. Once you clicked on "Request credit," these are the standard questions that every credit card you're applying or just simply asking for a credit line increase. Total gross annual income, monthly mortgage or rent, you're gonna see fine print at the bottom. Don't pay attention to it, read it. A lot of people completely skip the fine print. The fine print is going to assist you into making sure you get a significant credit line increase. If you don't pay attention, probably a minuscule one. Your credit limit has increased. You can start using your new credit limit right away. It may take up to 24 hours for the new limit increase to show up on your account. Credit line increase. The moment you put your annual income, your rent or mortgage, if you get approved, this is exactly what it looks like. If you get denied, obviously they're gonna send you an email and a letter, and the mail is gonna tell you exactly why you got denied. Now, after closing and reopening the app, my credit limit was 13,800. Now it is 16,500. And it merely took me about 30 seconds to ask for a credit line increase, and there was no hard pull whatsoever. So if you didn't know what it looked like or you were scared to do it, this is a step-by-step on exactly how to get a credit line increase on Chase if you're eligible.