How can my credit card limit go up?

i have 2 credit cards. one is 250 and the other one is 550. iv been with both for several years. iv asked one credit card compnay to raise my limit and they wont. they say i use too much and dont pay enought each month. okay so i didnt know that was bad. my mistake. but i really need a much highter limit. im opening up my business in like 3 months and i need money. so what should i do? should I wait until i have my business opened and then ask for a limit raise or should i just appyly for another visa? how do i raise my limit on credit cards?

Answer:
K, first:

1) Pay off ALL money on your credit cards before the end of each month.

2) Do NOT apply for more cards. THis looks bad.

3) Get more money: I know this doesn't make sense, but your limit will go up if you are earning more.

So, good payment history (never late, full amount) and earning more are the only things that can make it go up. It takes time.

Good luck!
Max out your cards each month and then make sure the bill gets paid in full. If the credit companies see that you NEED a higher limit, they'll give you one (but only if you completely pay them off EVERY month).
Pay off the balance and then ask for an increase.

My Chase card had $400 limit with a $0 balance. I asked for an increase and got $700 (I think I asked for $1000).

I applied for another Chase card and got a $4000 limit.
If your available credit limit total is $800, and you have admitted that you have trouble paying off the cards, what makes you think you're responsible enough to handle a higher credit limit? I've never even heard of credit card limits that low before, and you have to prove to them that you can pay off your debt before they loan you more money. It's like borrowing money from your parents. If you haven't paid them back what you've already borrowed, why would they give you more? Perhaps you need to re-evaluate your situation.. Sounds like you're not ready to have access to more money.

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