Credit Limit

A credit limit is the maximum balance a consumer can carry on a revolving credit account. The limit is set by the issuer based on creditworthiness at account opening; it can be increased or decreased over time.

Credit-limit increases are one of the fastest credit-score levers. Most major issuers offer soft-pull limit increases via in-app request — no hard inquiry, no score impact. Higher limits = lower utilization at the same balance = higher score.