Managing your Chase credit card

How do I change my credit limit?

Increasing your credit card limit

If you’ve had your Chase credit card for over 6 months, you may be able to increase your credit card limit.

There are two ways of doing this:

  • Apply for a credit limit increase in the app
  • Receive an offer from us, which you can accept or decline

Apply for a credit limit increase

You can check if you’re eligible to apply in the app:

  1. Go to your credit card account
  2. Tap the three dots in the top right of your screen and choose ‘Manage credit limit’
  3. Tap ‘Increase’ and follow the steps

When we decide if we can offer you an increase, we consider things like how you use your credit card and information we get from Credit Reference Agencies. If you’re not eligible now, you may be in the future.

Applying for a credit limit increase doesn’t impact your credit score.

Credit limit increase offers from us

We review your eligibility from time to time to see if you’re eligible for a credit limit increase and how much we could offer.

When we review your account, we look at things like:

  • how you use your credit card, including how much of your credit limit you use
  • your repayment history
  • how long you’ve been banking with us
  • changes in your finances, like income and expenses

If you’re eligible, we’ll email you with the offer and you can accept or decline it in the app.

Choose how to manage credit limit increase offers

You can choose whether to:

  • automatically accept eligible credit limit increase offers
  • review and choose whether to accept each offer
  • opt out of credit limit increase offers

To change your preference:

  1. Go to your credit card account in the app
  2. Tap on the credit card account options – using the 3 dots in the top right-hand corner
  3. Choose ‘Manage credit limit’
  4. Tap on ‘Automatic increases’ and choose your preference

Decreasing your credit limit

You can decrease your credit limit in quantities of £50. At the moment, you won't be able to increase your limit again after you decrease it.

To decrease your limit:

  1. Open your credit card account in the app
  2. Tap on the credit card account options – using the 3 dots in the top right-hand corner
  3. Tap 'Manage credit limit'
  4. Tap 'Decrease'

How do I check my balance?

Your total balance (excluding pending transactions) will always be visible on Home – just scroll down to the Credit section. To see your available credit and statement balance as well, simply tap on your credit card account.

Where do I find my credit card statements?

There are two ways to check and download your credit card statements.

  1. Open your credit card account, then tap 'See statements'
  2. Open your profile by tapping the profile icon in the top left corner of the home screen, tap ‘Statements', then tap 'Monthly statements' to see a list of all of your monthly statements

What if my balance is in credit?

If you get a refund for something after repaying your balance, you'll be 'in credit', which means we owe you some money back. This doesn't affect your credit score. If this happens, you can either:

1. Ask us to move the money over to one of your Chase current accounts. To do this:

  • from home, head to 'All activity', then select any transaction
  • tap 'Something wrong?'
  • choose the 'Call us' or Message us' option to let us know which Chase current account you'd like the money sent to

If you’re abroad, you can call us on +44 203 493 0829.

2. Spend as normal to bring your balance out of credit

Where can I use my credit card?

You can use your credit card in most places that accept MasterCard – at home and abroad, with no fees from us. You just can't use it for gambling or crypto assets, for example.

What if my credit card is lost, stolen or damaged?

If your credit card is lost, stolen or damaged, follow the instructions on this FAQ.

When does my promo rate end and where can I find my interest rate?

You can check your current interest rate, when your promotional interest period ends, and any fees associated with your credit card account in the app.

To do this:

  1. Open your credit card account in the app
  2. Tap on the credit card account options – using the 3 dots in the top right-hand corner
  3. Tap 'See interest rate'

You can also check your monthly credit card statement to see when your promo rate ends.

How do I close my credit card account?

You can request to close your credit card account at any time, but it may take some time to fully close. This is because we'll need to make sure you've repaid anything you owe us, and also process any refunds, disputes or pre-authorised payments. Just so you know, if you want to close your current accounts with us, you'll have to close your credit card account first.

To start the process of closing your credit card account:

  1. Open your credit card account in the app
  2. Tap on the credit card account options – using the 3 dots in the top right-hand corner
  3. Tap 'Close account'

Once you've submitted your request to close, please make sure you continue to keep up with your repayments until your balance is cleared completely. If you have a positive balance when we close your account, we will return the amount to the Chase current account you're spending from at the time.