It's the credit card company's fault you spend too much

** Chase customer says bank raised her credit card limit

@brit_reynolds/TikTok Ken Wolter/ShutterStock (Licensed)

‘They can increase it without your approval?’: Chase customer says bank raised her credit card limit to $43,000. Here’s why she says it’s ‘predatory’

‘I kind of wanna know what this does to your credit score.’

Braden Bjella

Posted on Jan 20, 2024 Updated on Jan 20, 2024, 10:50 am CST

A user on TikTok is calling out Chase Bank after they increased her credit limit, a move she describes as “predatory.”

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TikTok user Brittney Reynolds (@brit_reynolds) had previously sparked discussion after discussing issues with Wells Fargo. Now, Reynolds says that Chase increased her credit limit on one card from $23,200 to $26,700, pushing her total overall credit limit to $43,000.

“This is so f*cking predatory because they act like they just did you a service,” she says in a video with over 438,000 views as of Saturday. “They’re like, ‘Oh my god, you have so much extra money now.’”

Not only does she call these high credit limits “unnecessary,” but she alleges that the bank only began raising her credit limit after she paid off a substantial amount of credit card debt. The bank, she theorizes, is trying to draw her back into spending money and accruing interest by raising her credit limit.**


Raising her credit limit will likely increase her credit score because it will lower her ratio of debt to available credit. It is far from predatory and the people complaining are admitting that cannot control their own spending and wanting to draw attention to their stupidity.