Unlock More Spending Power – Ask for a Credit Line Increase

When it comes to managing your finances, flexibility is key. One often-overlooked way to give yourself more breathing room is by asking your financial institution about a credit line increase. Whether you’re planning for the future or preparing for the unexpected, a higher credit limit can offer real benefits.
The Benefits of a Credit Line Increase

1. Greater financial flexibility
Life is full of surprises—some good, some not so good. A higher credit line ensures you have access to funds when you need them, whether it’s covering an emergency expense or taking advantage of an opportunity.

2. More purchasing power
Large purchases, like travel, appliances, or home improvements, can be easier to manage with additional credit. A higher limit gives you the room to make those purchases without maxing out your account.

3. Potential credit score improvement
Your credit utilization ratio—the amount of credit you’re using compared to your total available credit—plays a big role in your credit score. Increasing your limit can help lower this ratio, which may positively impact your score over time.

How to Ask About a Credit Line Increase
The process is often simpler than you think. In many cases, you can request an increase online, over the phone, or by speaking directly with your financial institution. A quick review of your account and financial history is usually all it takes to determine eligibility. Give us a call at 801-364-2200 and allow us to evaluate your credit line and help you out.

When to Consider an Increase
• You’ve had your account open for a while and managed it responsibly
• Your income has increased since your last credit evaluation
• You want to prepare for future expenses or emergencies

Take the Next Step
If you’re looking for more flexibility, now is a great time to ask about increasing your credit line. Contact your financial partner today to learn more about your options and see if you qualify.
Building a stronger financial future is all about having the right tools—and a higher credit limit could be one of them.