By Joel O’leary
From there, keep following the prompts…
4. Select which card you want to move credit to. 5. Choose the amount you want to move (in $100 increments) 6. Confirm the transfer.
That’s it! No calls, no waiting, and no credit check required.
The new limits show up within a couple minutes in your account. I logged out of my app then logged back in and my cards showed the new available limits.
Looking to complete your wallet with the right mix of Chase cards? Explore all the top Chase credit cards here to find options that complement each other and maximize your rewards strategy.
Why move your credit lines?
Moving credit lines between existing cards might sound like a nerdy thing to do. But it’s actually really useful in a few situations.
Here’s a why you might want a higher credit limit on a specific card:
Prepping for a big purchase: If you’re about to drop a few thousand on a big expense, boosting the credit limit on your card can help avoid going over 30% utilization (which can ding your credit score).Maximizing rewards potential: Say your best travel credit card has a low credit line, and you want more spending power on it to rack up bonus points for a big trip purchase — this feature helps fix that.Consolidating limits before canceling a card: If you’re closing an old Chase card you don’t use, moving the limit to another card first can help preserve your total available credit and protect your credit score.
It’s also just a good practice to manage your limits proactively. Your credit utilization (how much you owe compared to your total available credit) plays a big role in your score.
What to know before transferring your limit
Moving credit limits isn’t the same as requesting an increase, although it pretty much achieves the same result.
Here are a few ground rules to know before using the feature:
You can only transfer limits between personal to personal, or business to business cards. You’ll need to manage both cards within the same account login.Transfers must be at least $100, and in $100 incrementsEligible moves are based on each card’s minimum credit line requirement, and users’ available limits.
Also, moving a credit line won’t lower or erase your debt balance — this isn’t the same as a balance transfer. If you owe $2,000 on the card you’re moving from, that balance stays until you pay it off.
Final thoughts
It’s great to see Chase stepping up their tech game and giving users new features. It’s one of the reasons I’ve got multiple Chase cards and have banked with them for over a decade.
Whether you’re trying to build a DIY high-limit card or just want flexibility with your credit, having the ability to shift limits instantly is a big win in opinion.
How high can your credit limit go? Check out the top high-limit credit cards here (some users report limits of $100K+ on a single card).