Increasing spending limit on credit cards

[Gareth]

As my parents get older, the likelihood of suddenly needing to hop on a flight back to the U.K. is ever increasing. However, the chance of getting said flight for under 200,000 yen is ever decreasing.

200,000 yen is my spending limit on my JP Bank card. I’d like to increase that to 400,000 maybe even 500,000 so I can easily pay for a flight when I need it in a hurry and can worry about paying the credit card bill later.

The JP Post website says to call if I want to either increase my spending limit or to just increase it for a one time purchase. I’d rather increase the spending limit permanently.

Does anyone have any experience of applying to increase their spending limit? Were forms involved? Do I need to show any proof of income or anything like that?

Many thanks for any guidance

[captainspoke]

With a regional bank visa card I've done the one-time limit increase. Call, explain, wait 30 minutes and the air ticket purchase was okay.

[Wales4rugbyWC23]

I just asked JAL credit card over the phone, and they gave it. There is a special telephone number for it.

[Tsumitate Wrestler]

A bog standard Rakuten Card can go to 2 million, and started at 1 million for me. Amazon gave me a limit of 2 million.

Have you applied for others?

(I received these cards in my 20s, on a below average salary.)

[RetireJapan]

I've called up my ANA and JAL cards to ask them to increase my limit (successfully).

They also tend to raise it every year even without being asked.

My Amex limit started at something like 200,000 in 2022 (they wouldn't give me more because I didn't have employment income).

I called them up a few times to whine about it.

It's now around 5,000,000.

Not sure that will work with JP though, they don't seem as customer focused

[Tkydon]

Call and ask.

They may send you a form to fill out.