Walmart Credit Limit Increase: How to Apply, Get Approved, & More

White and yellow logo sign on the outside of a Walmart store

Can you put in a Walmart Credit Card increase request? Yes. To increase the limit on your Walmart Credit Card, you have to make a request. In order to be approved, you’ll need a higher income and/or a higher credit score than you had when you applied. Walmart cardholders enjoy perks like cash back rewards when shopping at Walmart online and in stores, and when making fuel purchases at Murphy USA and Walmart gas stations.

How to Increase Your Walmart Credit Card Limit

How to Request a Higher Limit

You may want to increase your credit limit because your card is currently maxed out or you’re looking to make a big purchase. But a better reason to request a credit limit increase is to boost your credit score. Credit bureaus look for a low credit utilization ratio — or the amount of credit available to you versus the sum of all of your credit card balances; a higher limit should give you a lower ratio.

There are a few ways you can request a credit limit increase on your Walmart Credit Card. You can request an increase online by signing in to your Walmart Credit Card account. Once you’re signed in, select “Request a Credit Limit Increase.” You will be asked to enter some information, such as the amount of increase you would like, your annual net income (the amount you make each year after deductions like taxes), and the reason for your request.

Alternately, you can call Walmart Credit Services at (877) 294-7880 and a customer service representative can check your eligibility for a credit increase over the phone.

Whether applying online or over the phone, you should be able to find out within a few seconds if your request for an increase has been approved or declined.

How to Know If You’ll be Approved

If you already have a Walmart Credit Card, you can request a credit limit increase at any time. Limit increases are approved based on income and a credit check, a Walmart Credit Services agent said. Other factors like late payments and an outstanding balance may also be taken into consideration.

Bottom line is, if you haven’t increased your income or built up your credit score since you were initially approved for the card, you are unlikely to be granted a credit limit increase.

Keep in mind that a customer representative also said, “Requesting a limit increase may result in an inquiry on your credit bureau; however, some requests are determined using only internal factors on your account.” That means Walmart might run what’s called a “hard check” on your credit to decide if you’re eligible for a limit increase. Because hard credit checks can negatively impact your credit score, you might not want to request an increase unless you believe you will be approved.

Apply for a Walmart Credit Card

The Walmart Credit Card is issued by Synchrony Bank. You can apply for a Walmart Credit Card by filling out an online application or applying in person at a Walmart. To apply in store, visit the customer service department and bring a valid photo ID.

On the credit application, you will need to provide your Social Security number, date of birth, and annual net income. You will also need to answer questions about your regular expenses, such as how much you pay each month in rent or mortgage payments.

If you are approved for a Walmart Credit Card, your initial credit limit will depend on a credit check; the higher your credit score, the higher your credit limit will be.

The Walmart Credit Card offers advantages like cash back rewards when shopping at Walmart online or in stores, and when making fuel purchases at Murphy USA and Walmart gas stations.

For more on applying for a Walmart Credit Card, see our article: How to Get a Walmart Credit Card with No Credit Check.

In Summary

To request a Walmart Credit Card increase, log on to your account or call Walmart Credit Services. Whether or not you are approved for a credit limit increase depends largely on your income and credit score.


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