SEATTLE, WA--(Marketwired - Aug 8, 2014) - For consumers that consistently spend close to their credit limit, increasing that limit can be an easy solution. Getting a higher credit limit not only lets the person spend more, but it can actually improve a person's credit score. Lenders take a look at how much a user spends compared to the amount of credit available to them when determining their credit score. This is called the utilization ratio. When the utilization ratio is low, lenders see it favorably, as the user is financially responsible with his or her money. As a result, a user's credit score will increase.

Creditnet.com, a leading credit website, says that many credit card issuers have relaxed their lending policies, especially for users with a solid payment history and good credit. So, it's not as hard as you might think to get a higher credit limit. Creditnet experts have put together this guide to help consumers get a higher credit limit.

1. Check your credit score.
It's important to have a good reason before asking for a higher limit, so check your credit score first. Consumers can get a free copy of their credit score from each of the 3 major credit bureaus every year from AnnualCreditReport.com. Review your score, and make sure that there are no errors. If you have good credit and pay your balance in full each month, you can ask for a higher credit limit. However, with a damaged credit score, it may be risky to increase your score.

2. Build your case.
When asking your credit card issuer for a higher credit limit, it is important to emphasize your financial responsibility and loyalty to the company. So, let the customer service representative know that you have been a loyal customer and you always pay your balance in full. Let them know why you would like the increase (ex: you'll be traveling more often) and be smart about how you ask. Don't ask for too much, because your account could be flagged for further review. Instead, let them know that you would like a little more borrowing power. Examine your situation to determine how much of a credit limit increase is realistic for you (how much you need and can afford).

3. Contact the creditor.
The easiest way to contact your creditor is to simply pick up the phone and call the phone number on the back of your credit card. Speak with a customer service representative directly about raising your credit limit. If that doesn't work, try calling back a second time or asking to speak to a supervisor. Some credit card issuers also provide their cardholders with an online option for requesting credit limit increases.