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You can request a credit limit increase directly from your Karat Card dashboard. To submit a request, go to Credit Card > Cards and select Request New Spending Limit. You’ll be prompted to enter your desired limit before submitting the request. All requests are reviewed based on account history, repayment behavior, connected financial data, and overall risk profile. Additional information may be requested during the review process.

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When limit increase requests may be restricted

Limit increase requests are subject to eligibility requirements and may not always be available. If you have submitted a limit increase request or received a limit increase within the past two months, you may see the following message:
You’ve requested a limit increase in the past 2 months. Unfortunately, we won’t be able to process another limit increase request until after this period. In the meantime, make sure to connect all your bank accounts and to make regular on-time payments to increase your odds of increasing your limit.
To improve eligibility for future limit increases, ensure all relevant bank accounts are connected and maintain consistent, on-time repayment history. Karat is a financial technology company, not a bank. Banking services provided by Grasshopper Bank, N.A., Member FDIC. The Karat Visa® Business Credit Card is issued by Cross River Bank, Member FDIC, and pursuant to a license from Visa️ USA.