how to get a approve for a credit limit increase with chase
1 Shoot for a credit utilization rate (debt to limit ratio) of about 10%. 2  A 10% credit utilization rate is ideal, however, so if you happen to have a rate of 20%, or even 30%, that's okay. 3  Your credit utilization is 30% of your credit score, which itself is a factor in getting a limit increase.f course, you should always pay your credit card bills on time, as late payments could result in credit limit (and credit score) decreases. Six months is simply the minimum amount of time you will have to make timely payments on your account before creditors will even consider raising your credit card limit.