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      How Can I Increase My Credit Limit?

      If you're looking to increase your Keep credit limit to support your business needs, this guide will walk you through eligibility requirements, how to request an increase, and important considerations to keep in mind.

      In This Article:

      1. How to request a credit limit increase
      2. Additional tips for a successful increase

      Before You Get Started

      All active Keep users in good standing are eligible for a credit limit increase. Here’s what that means:

      • Active User: You’ve kept your Keep account active for at least 3 months.
      • Good Standing: You have a positive payment history with your Keep Credit Card.

      Your credit limit grows along with your business! When you’re ready, simply reach out to your account manager to discuss your credit limit options. Keep makes it easy to support your growth.

      How to Request a Credit Limit Increase

      ​​Follow these steps to request a credit limit increase:

      1. Email Your Account Manager
        Reach out to your account manager to request a credit limit increase.
      2. Prepare Documents
        Have recent bank statements or any required documents ready to streamline the process.
      3. Underwriting Review
        Once submitted, your request will go through an underwriting review.
      4. Receive a Decision
        Your account manager will contact you via email with the decision. If approved, your updated credit limit will be visible on your Keep homepage.

      Additional Tips for a Successful Increase

      To improve your chances of a successful credit limit increase:

      • Maintain a Good Payment History: Ensure that your linked bank account has sufficient funds to cover Keep payments, so that payments are made on time. 
      • Be an Active Keep User: Use your Keep card regularly for business transactions, and encourage employees to do the same. Additionally, explore other Keep products to expand your usage.
      • Grow Your Income: As your income grows, your credit limit can grow with it, demonstrating enhanced repayment capacity.

      What if My Request is Denied?
      If your credit increase request is denied, you’re welcome to try again. We recommend asking your account manager for feedback and referring to our tips section to strengthen your request.

       

      Need more help?
      If you have additional questions or need further assistance, feel free to reach out to our support team at support@trykeep.com. Let’s keep growing together!