How can I get a GM Rewards Card credit limit increase?
You can get a GM Rewards Card credit limit increase by making a request either online or over the phone at (888) 316-2390. To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income the issuer has on file. The issuer will be more likely to increase your credit limit if the revised income clearly shows that you can afford a higher limit.
How to Get a GM Rewards Card Credit Limit Increase Online
- Log in to your online account.
- Select your card from the main dashboard.
- Click on the three dot menu from the top right of the page.
- Select “Credit Line Increase”.
- Enter the required information and follow the on-screen instructions.
- Confirm the information entered and click “Submit” to complete the request.
You should receive a decision within 10 minutes. However, some requests require 3-5 days for processing. If you're approved for a GM Rewards Card credit limit increase, the new limit is effective immediately.
Impact of a GM Rewards Card Credit Limit Increase on Your Credit Score
Generally, when you request a GM Rewards Card credit limit increase, the issuer will conduct a soft pull of your credit report, which does not affect your credit score.
Alternatively, you could be eligible for a GM Rewards Card credit limit increase without even requesting one. The GM Rewards Card card may offer an automatic credit limit increase if the issuer's regular review of your account shows a history of on-time payments and low debt. An automatic credit limit increase involves a soft pull, as well.