Get an Amazon Credit Limit Increase

Getting an is an important step you can take to get more access to goods and services from around the world. Amazon is one of the world's largest retailers, which means a low Amazon credit limit can keep you from getting what you need when you need it at an affordable rate.

When you begin to read about increasing your credit limit, you may find some confusing information about credit utilization and the possible effect a credit limit increase request may have on your credit score.

This article will guide you through the steps you need to take to and show you how DoNotPay can help you quickly do it without affecting your credit score.

About Amazon Credit Cards

You can use most Amazon credit cards to shop anywhere, though they offer the highest savings for anyone shopping online with Amazon. Amazon offers three main credit cards.

1. Amazon Rewards Signature Cards (Amazon & Amazon Prime)

The Amazon Rewards Visa Card offers:

$75 gift card upon approval
3% back on Amazon & Whole Foods purchases
2% back on gas station, restaurant, and drugstore purchases
1% back on all other purchases

The Amazon Prime Rewards Visa Card offers:

$150 gift card upon approval
5% back on Amazon and Whole Foods Market purchases (with an eligible Prime Membership)
2% back on gas station, restaurant, and drugstore purchases
1% back on all other purchases

2. Amazon Store Card

This credit card offers:

$60 gift card upon approval
5% back on Amazon (with Prime Membership)

3. Amazon Business American Express Card

This credit card offers:

5% back on Amazon and Whole Foods Market purchases or (90 Day Terms)
3% back on Amazon & Whole Foods Market purchases or (60 Day Terms)
2% back on gas stations, restaurants, and U.S. wireless phone services

Besides the percentage of savings and current sign-up bonus, there are differences between the Amazon credit cards regarding the terms and conditions of repayment options, additional rewards, and promotions.

One difference is Amazon Signature Cards are issued by Chase Bank and are Visa Cards. They can be used as regular credit cards and are accepted anywhere a Visa Card is accepted but will require stricter initial approval based on your credit score.

The Amazon Store Card is issued and managed by Synchrony Bank, and you can only use it at Amazon and some Amazon properties. This card is easier to qualify for even if your credit score isn't very high. Also, the Amazon Store Card offers 0% APR financing on select purchases.

Who Can Request a Higher Card Credit Limit?

Anyone can request a higher credit card limit if they qualify with the bank or card issuer's requirements. Before you request an increase in your credit limit, consider some of the following criteria banks use to determine if you qualify.

On-time payments
Pay more than the minimum on your credit card bills
Hard pull or hard inquiries (record of credit increase requests)
Credit history
Credit score
Credit Utilization Ratio (Amount of credit you are using)
Employment status
Income, Assets, and Obligations
Mortgage, Rent, and Debt

When Can I Request a Credit Limit Increase From Amazon?

To determine when you can request a credit limit increase from Amazon, consider some of the following criteria used by the online retailer:

Amazon credit card is at least six months old
Record of on-time payments
Credit score has improved
Income has increased

What Information Will Amazon Ask For?

Whenever you need a credit limit increase, you should prepare yourself for requests for additional information. If you the bank may ask you for some of the following details:

Amount of credit limit increase you want
Current income
Employment status
Monthly expenses
Reason for the credit increase request

Things to Consider Before Requesting a Credit Limit Increase from Amazon

Before you request a credit increase from Amazon, carefully consider all of the requirements and also whether your request itself will affect your future credit score.

By closely examining each of the potential criteria used to evaluate your credit increase request, you can determine if it is an appropriate time to make the request. Check the standard credit criteria such as income, employment, records of on-time payments, or credit score for improvement since the initial credit was issued.

You should also be aware that credit limit increase requests at banks such as Chase, which issues the Amazon Visa Card, may trigger what is known as a hard pull. A hard pull means your bank requests a credit check, which can decrease your future credit score if denied the credit increase request. You should find out if your credit increase request can cause a hard pull or soft pull, which does not affect your score.

How to Request a Credit Limit Increase From Amazon On Your Own

You cannot request a Chase Amazon credit limit increase for the Amazon Rewards Card or the Amazon Prime Rewards Card online. Instead, you can follow these steps to make your request.

Steps to Request an Amazon Rewards Card or Amazon Prime Rewards Card Limit Increase

You can make your request in seven steps:

Call the Amazon Chase Bank customer service number on the back of your card.
Enter your 16-digit Amazon Card number
Wait to be connected with a representative
Explain to the representative that you would like to request a credit limit increase.
Provide information on credit history, income, expenses.
Permit the representative to process a hard inquiry.
The standard response time is 2 to 4 weeks.

Steps to Request an Amazon Store Card Credit Limit Increase

You can make your request in seven steps:

Register an online account
Log in
Click on access your account
Enter card name
Click on account access
Complete all credit-related questions
Submit

Request an Amazon Business American Express Card Credit Limit Increase

Amazon Business American Express Cards have strict standards for checking credit history, credit scores, and income. You can visit the American Express website for an initial application but will almost certainly be required to provide further documents for verification at a later date.

Next Steps for Requesting an Amazon Credit Limit Increase if You Can't Do it Yourself

If any part of the process of applying for an increase in your Amazon credit limit seems confusing or too time-consuming to handle all on your own, DoNotPay can help.

DoNotPay is the quickest solution for requesting an Amazon credit limit increase. With the help of DoNotPay, you can glide through the process, so you have the best chance of getting the increase in credit you need.

How to request higher credit limits using DoNotPay:

If you want to request higher credit limits but don't know where to start, DoNotPay has you covered in 6 easy steps:

Go to the Credit Limit Increase product on DoNotPay.
Select which type of card you own and your credit provider.
Tell us more about your card, such as when you first created this card, your current credit limit, what you would like your new limit to be, your card number, and whether you've missed past payments.
Tell us more about your current income and expenses and why you would like to request a limit increase.
Indicate whether you want to allow hard inquiries to be made into your credit history. Upload a copy of your ID and provide your e-signature.
Submit your task. DoNotPay will deliver the request letter on your behalf. You should hear back from the card provider with confirmation or a request for more information within a few weeks.

Why Use DoNotPay to Get an Amazon Credit Limit Increase

If you want to request an Amazon credit limit increase but don't know where to start, DoNotPay can help.

Fast—Let DoNotPay spend hours searching for information on how to apply for your credit limit increase.
Easy—We have all of the credit limit increase request forms in one easy location.
Successful—DoNotPay will make sure you have the best chance possible to receive your Amazon credit limit increase.

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