Got a Chase credit card with a low credit limit? Good news: You can now move available credit between your Chase cards online.
That's a major change, as Chase previously required a phone call (and sometimes even a credit check) in order to shift credit limits between cards. The gang at Frequent Miler first spotted this customer-friendly improvement.
If you only have one card (or a high enough limit already), you probably won’t need this. But if you’re juggling multiple cards or were approved for a low limit, this tool could be a game-changer. Just know, you won't be able to move credit between personal and business cards. You can, however, shift credit limits from co-branded cards like United, Marriott, or IHG to a Chase Ultimate Rewards product – or vice versa.
In my case, I was recently approved for the *csp* … but with a handful of existing Chase cards, I was only given a $5,000 credit limit. That’s usually fine since I pay my balance in full every month (and you should, too!) – but regularly flirting with the credit limit could still ding my credit score.
I knew I could call Chase and ask them to shift credit from another card. But like many of you, I avoid unnecessary phone calls whenever possible. Thanks to this new feature, I was able to make the change online in just a few clicks.
If find yourself in a similar position and want to move available credit between your Chase cards, here’s how to do it online.
How to Transfer Your Credit Line to Another Chase Card
The process for moving credit limits between your Chase cards couldn't be simpler. All told, I was able to move credit from an old card I regularly use to my new Sapphire Preferred in about three minutes and just a handful of clicks.
You'll start by logging into your Chase account online. Once you do, you should see all of your existing Chase cards listed under a single login. Start by going to the card you want to move credit from … not the card you want to have a bigger limit in the end.
In my case, I decided to move some of the available credit from an old IHG co-branded card – which I rarely use for purchases but keep around for the annual free night award and elite status benefits. Since most of my spending is going on my new Sapphire Preferred card, kicking some of that credit over there makes perfect sense.
Once I clicked on my IHG card, I selected “More” from the list of menu options near the top and then navigated to “Move credit line.”
This brought up a page that outlines the benefits of moving credit between your cards and allowed me to get started.
From here, you'll see all of your available personal cards (this feature doesn't allow you to move credit from business cards to personal cards and vice versa) and choose the one you want to move credit to.
After selecting my Sapphire Preferred from the list, I was able to see my current credit line and the amount available to move from my IHG card. Since my IHG card isn't overly rewarding for day-to-day purchases, I elected to move the full $7,300 that I had available and typed that amount in the box below.
The last step in the process is simply verifying that your new credit limits look OK and clicking submit.
After clicking submit, I received confirmation that my credit line had been transferred successfully and that I could start using the available credit right away. My new credit limit didn't immediately show up online for my Sapphire Preferred Card, but it did after logging out and back in again.
The best part? Unlike requesting a credit limit increase, there's no credit check required for taking advantage of this feature.
Bottom Line
Chase just made it easier to manage your credit limits: You can now transfer available credit between your personal Chase cards online – no phone call, no credit check. If you’ve been approved for a new card with a lower limit or want to shift credit where you spend the most, this new feature is a fast, hassle-free solution.
