Request a Total Visa Credit Limit Increase Effortlessly

iEditorial Note: These blog posts represent the opinion of DoNotPay’s Writers, but each person’s situation and circumstances vary greatly. As a result, you should make sure to do your own independent research. Because everyone is unique, our self-help tools are never guaranteed to help with any specific situation. DoNotPay is not a law firm and is not licensed to practice law. DoNotPay provides a platform for legal information and self-help.

Get a Total Visa Credit Limit Increase Effortlessly

Life happens, and when you need more money to keep up, it's time to think about increasing your credit limit. If you're thinking about applying for a , DoNotPay can help. Often, the process can be time-consuming, confusing, and frustrating, but with DoNotPay's help, you can increase your credit limit quickly. Let's discuss how you can successfully get a higher credit limit in no time.

When Can You Apply for a Total Visa Credit Limit Increase?

To increase your , you'll need to wait six months after opening an account. Once six months have passed, you can apply for a credit limit increase and the company will determine whether they want to allow it.

Total Visa will consider several factors when choosing whether to increase your credit limit. They include:

  • Your payment history
  • Your credit score
  • Your income
  • Your credit card utilization rate
  • How many hard inquiries are listed on your credit report
  • Whether your account has ever been restricted
  • Whether you've ever closed your account or filed for bankruptcy

If Total Visa thinks you're a responsible customer and can handle an increase, they'll ask for more information from you. In some cases, Total Visa will increase your credit limit without a request. This happens if your account shows a history of low debt and payments that have been made on time.

What Should You Consider Before Applying for a Total Visa Credit Limit Increase

If you want to increase your line of credit, you'll want to consider whether it's a good choice and whether the circumstances are right to do so. A responsible cardholder will consider these three questions before applying to have his or her credit limit increased:

  1. Can you financially support a higher spending limit?
  2. Will a hard pull on your credit score affect you negatively?
  3. Is your credit score at a level that will allow for a credit increase?

If you answer these questions and give yourself the green light, it's time to start the process! Typically, if your credit balance is low and you've proven that you make payments on time, you'll have no problem receiving an increased credit limit.

How Do You Request a Credit Limit Increase on Your Own?

If you want to request a credit limit increase on your own, you can choose from a few different methods.

By Phone

Total Visa allows its customers to request a credit limit increase by phone. Make sure you've waited at least six months from the date you opened your account, and have all your account information handy.

By Mail

Some credit card companies allow their customers to request a credit increase by mail. Make sure your company accepts this method if you choose to go this route and keep a record of the date your information was sent.


This method is the most common method used by credit card companies. Simply log into your account and follow the steps to apply for a credit limit increase.

As a security precaution, make sure you don’t send sensitive information like account information, account numbers, or passwords via email.

You can reach Total Visa through the following channels:

Total Visa Contact Information

Customer Service Phone Number(877) 480-6988
Postal AddressTotal VISA

P.O. Box 84930

Sioux Falls, SD 57118-493

No matter which method you choose, you can expect to wait several weeks for approval. If you haven't heard from the company within a month, give their customer service number a call.

Receive a Total Visa Credit Limit Increase With Help From DoNotPay

We know you're busy, and we know how precious every minute is during the busy workday. Nobody wants to waste time looking up account information and finding old passwords just so they can spend long hours on hold trying to get through to a representative. DoNotPay is happy to do the work for you, so you can enjoy a credit limit increase without all that work.

If you want to request higher credit limits but don't know where to start, DoNotPay has you covered in 6 easy 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 Can Help You Get a Credit Increase From Many Popular Credit Cards

No matter your credit card, DoNotPay can help you send a request to have your credit limit increased. Here are some that we've successfully worked with:

What Else Can DoNotPay Do for You?

DoNotPay is the world's first AI Consumer Champion that can tackle all kinds of problems for you. Here are a few of the things we can do:

Don't waste time doing fruitless tasks that DoNotPay can handle for you. Check out everything we can do to make your life easier.

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