Increase Your UOB Credit Limit

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6 Easy Steps in to Seek a UOB Credit Limit Increase

Sometimes you just need a higher credit limit, especially if you're paying for bigger ticket items such as home appliances, airline tickets, or a longer-term car rental. As long as you've been using your credit wisely and are in good standing, you probably have a good chance of getting a .

If you are a Singapore resident or have SingPass, applying for a United Overseas Bank credit limit increase can be pretty simple. If not, the process will get more complicated and can take some days to receive approval. And if you need to deal with the bank headquarters, you'll have to factor in the time zone difference.

If you need your credit limit increase done quickly and don't have a lot of time to mess with the details, you can quickly make the application through DoNotPay.

How Credit Limit Increases Work

Depending upon what your needs are, you generally can request two types of credit limit increases:

TemporaryIf you have a shorter-term need for credit, you can seek a temporary increase. This might be applicable if you are planning an overseas trip and don't want to deal with cash any more than necessary or if you are planning a big event, such as a wedding, where you will be taking on higher costs for a short period of time. Or maybe you just bought a new home and need to get new appliances and/or furnishings.
PermanentThis would be a general increase to your credit limit that you could access as the need arises.

When Can I Request a Credit Limit Increase From UOB?

UOB does not list any specifics on when or how often customers can apply for a credit limit increase, but some of the paperwork required includes proof of income over a 12-month period, so you likely would not want to apply more than once per year. If you are a new cardholder, generally, six months of use and on-time payments would be a good basis to establish before applying for a credit limit increase.

If you have a new job that significantly boosted your income, you probably should wait three months into that job before applying for a credit limit increase, as three months is the smallest amount of salary history UOB will consider.

What Information Will UOB Ask for?

UOB seeks the following information for along with a Credit Limit Review Form from foreigners and those without SingPass:

Salaried Employees

  • Latest Income Tax Notice of Assessment and computerized payslips
  • Or latest three months of computerized payslips
  • Or latest 12 months of CPF Contribution History Statement

Commission-Based Employees

  • Latest Income Tax Notice of Assessment
  • Or latest 12 months of CPF Contribution History Statement


  • Latest Income Tax Notice of Assessment

Things to Consider Before Requesting a Credit Limit Increase From UOB

Before applying for a UOB credit limit increase (or any other credit limit increase, for that matter), consider a few factors:

  1. Timing. If you've recently changed jobs, gotten a hefty pay hike, or had another change in employment (even lost a job), you might want to consider waiting a few months to apply for a credit limit increase just to have a stable set of numbers to provide in the application.
  1. Hard pull. Any credit limit increase will require the company to make a hard inquiry on your credit score. This can have a slight negative impact on your credit score. If you have recently had other hard inquiries or if you have the need for a hard inquiry in the near future (such as wanting to get a mortgage or vehicle loan), multiple hard pulls can cause a serious dip in your credit score.
  2. Recent payment history. If you have been late or missed payments on your UOB account recently, wait until you have six months of on-time payments.

As long as all factors look good and you feel like you are ready to take on more credit to handle it responsibly, seeking an increase in your UOB credit limit could be a positive decision. When you work hard to acquire and maintain a good credit history, sometimes it's best to take advantage of all that hard work.

How to Request a Credit Limit Increase From UOB on Your Own

If you are a Singapore citizen or permanent resident with a SingPass, UOB makes it pretty simple to apply for a permanent credit limit increase. You merely visit their website and file out the application by retrieving MyInfo. There is no need to upload any additional documents.

For foreigners and customers without SingPass, you must:


  1. Log into your UOB personal online banking.
  2. Locate and fill out the Credit Limit Review Form.
  3. Upload applicable documents mentioned above.

Mail or In-Person

  1. Locate the nearest office either to visit or to mail documents.
  2. Download and complete the Credit Limit Review Form
  3. Make copies of the above-mentioned documents to prove income.

Temporary Increase

If you only need a temporary credit limit increase, you can apply online at UOB TMRW for instant approval or call 1-800-222-2121. Temporary increases are available only for overseas travel, weddings, medical/hospitalization, and compassionate purposes.

Applying for a credit limit increase from UOB can be time-consuming, and you want to be sure you have all the proper documents. Remember, you only should apply about every 12 months for a higher credit limit, so you want to ensure you are getting your application perfect the first time.

Apply for a UOB Credit Limit Increase With the Help of DoNotPay

DoNotPay offers you the best chance to get everything right the first time, to not waste time gathering unnecessary paperwork, to not deal with the hassle of time-zone changes if you aren't located in Singapore, and more.

With DoNotPay, you can apply for your credit limit increase in six 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.

Why Use DoNotPay for the Best Chance to Get a Credit Limit Increase From UOB

DoNotPay gives you the best opportunity to for these three reasons:

  • Fast—You don't have to spend hours looking for the right forms and ensuring you have the proper records.
  • Easy—You don't have to struggle to fill out tedious forms or keep track of all the steps.
  • Successful—You can rest assured knowing we'll make the best case for you.

DoNotPay Works With Many Credit Card Companies

DoNotPay can help you seek credit limit increases with the following companies and more:

Whether you are looking to increase your credit limit with UOB, one of the other banks listed here, or any of hundreds of other banks. You can visit DoNotPay for the fastest results or download the app!

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