Skip to main content

Increase your credit limit

  • Updated

After you build some history with your credit card, we’ll let you know when you’re pre-approved for a credit limit increase. You can also request an increase at any time.

How to request a credit limit increase

You can request a credit limit increase from the Neo app. You can request an increase, but how much of a credit limit increase you may be approved for will depend on the team’s evaluation of your account.

Neo app

  • Log in to the Neo app on your mobile device 
  • Select the Credit option at the top of the page and select your account  
  • Select the More icon
  • Tap Manage Credit Limit

It can take 7 days for your request to be approved or declined.

How to accept a credit limit increase

You’ll receive an email when you’re eligible for a credit limit increase. 

If you click on the link provided in the email or notification, you will be directed to the page to accept your credit limit increase.

If you’ve been pre-approved for a credit limit increase, log in to accept the credit limit increase.

Neo app

  • Log in to the Neo app on your mobile device 
  • Select the Credit option at the top of the page and select your account  
  • Select the More icon
  • Tap Credit limit change

If you have a Neo Secured Credit card, you can increase your credit limit by adding money to your security funds.

How to spend more than your credit limit 

Increase available credit 

You can increase your available credit by making a payment beyond your current balance. 

If you’re making a payment from your Money account, you can overpay by $100. 

Was this article helpful?

Have more questions?

1-855-636-2265