Access your new credit limit.

Here’s how you can request your pre-approved credit limit increase today. If you’d like to do it later, use the link in the pre-approval email sent to your inbox. Please note, a credit limit increase can’t be processed in-person or at a branch.

Where do you bank?

I bank at Vancity

If you’re a personal cardholder who banks at Vancity, log in to digital banking and check your mailbox notifications to accept your pre-approved credit limit increase offer.

I bank elsewhere

If you’re a cardholder who banks with another financial institution, please call us.

For personal credit cards:

604-676-8428 or 1-833-732-4928

For business credit cards:

604-676-8431 or 1-833-732-4931

Questions? We have answers.

Your credit score is affected by your credit utilization, which is the percentage of your credit limit you regularly use across all cards and other credit tools. To maintain a healthy credit, the general rule is to use 30% or less.

In other words, even if you always spend within your credit limit and feel it’s more than enough, you could still benefit from a credit increase if your credit utilization is high.

Continue to manage your new spending power effectively and make payments on time to protect your credit score.

Accepting a pre-approved credit limit increase does not affect your credit score. But making a new request may require a hard credit pull, impacting your credit score. This could affect you if you’re planning to apply for a mortgage or loan sometime soon.