How Do You Increase Credit Limit Commerce Credit Card?

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How To Increase Your Credit Limit on a Commerce Credit Card

Are you wondering how you can increase the credit limit on a Commerce Bank credit card? Worry not; you are in the right place.

A higher credit limit is not necessarily a bad thing as most may claim. It brings many benefits, including:

  • Ability to make larger purchases or access more emergency funds
  • Decreasing overall credit utilization, hence improving credit score
  • Reducing the risk of overspending and damaging your credit score

But unfortunately, making a may lower your credit score through a hard inquiry. DoNotPay can assist. Our will help you request a larger credit limit. It will also protect your credit score from hard pulls by making a formal request against it.

How Does a Credit Limit Increase Work?

Your credit limit is the amount of money a creditor allows you to owe. Credit limits can range anywhere from $200 to $200,000 for individuals. For businesses, credit limits can be much higher.

When your application is approved by a card issuer, you're awarded your first credit limit. With time, they'll evaluate your capacity to manage the account responsibly. If you pay your credit card on time and spend less than your limit, they may raise your credit limit.

A higher credit limit gives you a greater purchasing power and the opportunity to increase your credit score. You must, however, maintain a strong credit history on all of your accounts, as one improperly handled account might damage the rest.

Who Can Request A Higher Credit Limit?

is not offered at random. When deciding who to provide a larger credit limit for, the bank considers many factors. Let’s explore them in the table below.

Credit Ratings
  • Credit scores can act as a risk indicator for lenders, indicating how likely you are to repay your debt.
  • People with good credit scores have a better chance of getting approved.
  • However, a specific score does not necessarily guarantee that your application for a specific card will be approved.
The Total Number of DelinquenciesA delinquent account is one where payment is overdue. Your credit score may suffer if you make late payments or become delinquent. A low credit score makes you unappealing to lenders. As a result, making on-time credit card payments raises your credit score, making you eligible for a limit increase.
Hard Inquiry
  • Hard inquiries, or hard pulls, are where lenders inquire about your credit when you request a credit limit increase.
  • Hard pulls assist lenders in determining how you have managed credit in the past and whether you are currently juggling any credit.
  • Unfortunately, hard inquiries might stay on your record for up to two years. Too many hard inquiries indicate a high-risk appetite and a shortage of funds.
Rate of Credit Card UseYour credit utilization rate indicates how much credit you are using. It is generally recommended that you utilize less than 30% of your credit card. Constantly using more portions of your credit may negatively affect your eligibility.
IncomeA consistent increase in income heightens the likelihood of getting a higher credit limit. This is because improvements in income increase the borrower's ability to repay larger loans. Consequently, a decrease in income reduces the likelihood of making debt payments, lowering your eligibility.
Credit HistoryCredit card issuers lend credit to clients who have a record of success in repaying their bills. As a result, having a limited credit history will most likely have an impact on your credit limit increase.

Factors to Consider Before Requesting a Credit Limit Increase from Commerce Bank

is a significant move that should be approached with caution. To increase your chances of success, consider the following:


Everything is based on timing. When you are in good credit standing, you should request an increase in your credit limit. However, if you lose your work, your prospects of securing a credit limit increase may suffer. Furthermore, you may not request a credit limit within 6 months of requesting a credit limit or receiving new credit.

Hard Pull

A hard pull inquiry may occur if you request an increase in your credit limit. If you've made recent queries with other credit institutions, it may harm your credit and reduce your chances of earning a limit increase.

Credit History

Examine your credit history to see what kind of borrower you are. As a result, before you apply for a new loan, make sure you fix your credit history and credit score.

How to Request a Credit Limit Increase from Commerce Bank on Your Own

You may request a credit limit increase either through:


  1. Call the credit line department on 800-645-2103
  2. From outside the U.S., call collect: 314-514-6299
  3. Request to increase your credit limit
  4. Provide the necessary information and follow up on the request


  1. You may email customer service through their secure email and request a credit limit increase.
  2. Provide your income-related information
  3. Wait for feedback

Visit the Nearest Branch

  1. You may visit the nearest branch and ask to talk to the credit, debit, or prepaid card representative
  2. Provide the necessary information
  3. Wait for feedback after making request

Remember, asking for a is not a move to make lightly.

Use DoNotPay to Help You Request Commerce Credit Limit Increase

DoNotPay's credit limit increase product is what you need to make credit increase requests.

To begin, take the following steps:

  1. Go to the Credit Limit Increase product on DoNotPay.

  2. Select which type of card you own and your credit provider.

  3. 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.

  4. Tell us more about your current income and expenses and why you would like to request a limit increase.

  5. 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.

  6. 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.

DoNotPay Works for All Banks and Credit Cards

DoNotPay works with any bank or credit card provider. Use it for:

What Else Can DoNotPay Do?

DoNotPay provides a wide range of solutions you can try. Here are a few examples:

Join DoNotPay now to increase your credit limit in no time!

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