As a general rule households should not carry lines on credit cards that exceed 20% of gross income. This is because lenders view all open credit lines as potential debt. Too much unused credit may affect a person’s ability to qualify for a home or car loan.

But if you believe you are well within that 20% here are some tips to increase the limit

• Ask periodically
  You can probably request that your credit limits be increased about once every six months as long as you put yourself in a position to deserve an increase.
• Improve your credit
  In general, the better your credit, the thicker your initial credit lines tend to be. Also the maximum credit line reachable is higher for cards issued to people with good credit.
• Abide by the terms
  First and foremost, credit card holders need to remember that to get a higher credit card limit, they must abide by the terms and conditions of the credit card company or bank.
• Respect the limit
  Always spend within your credit card limit because doing so means that you are capable of controlling your expenses.
• Use the card regularly.
  Don’t keep your cards for emergency use only. If you use your credit cards sparingly, banks and credit card companies will be unable to understand your spending and pay-back behavior.
• Pay off the balance
  Never make minimum payments. Instead, try to pay for the entire outstanding amount. This will be a prove of your credit worthiness which is the most important thing for getting a higher credit card limit.
• Avoid late payments
  Not only will your payment increase, but you may also have to pay an additional fine for not clearing bills on time. This will also dim your chances of getting a higher credit card limit.