If you have an IO credit account, you may receive occasional notifications that your credit limit has decreased or increased.

Your credit limit is based on a combination of the cash balance you hold in your checking, savings, or treasury accounts, alongside things like your Mercury history and activity. Because of this, the best way to have your credit limit reevaluated is by adding to and using your Mercury accounts regularly.

Limits are reevaluated monthly, but may be evaluated more frequently if there's a significant drop in your Mercury balance.

If you need a more urgent credit limit increase, email help@mercury.com and we'd be happy to take a look.