Upgrade to a premium plan. Our Grow membership will raise your monthly spending limit to $50 per month (reported to the bureaus as $600 per year), and our Accelerate membership will raise your monthly spending limit to $150 per month (reported to the bureaus as $1,800 per year). You can read more about our membership tiers in our article “Is Grow Credit free? How much does Grow cost?”

Refer a friend or family member. We will raise your monthly spending limit by $5 per month (reported as an additional $60 per year) for every successful referral. For more information about our referral program, check out our article “Does Grow Credit have a referral program? What incentives are there for referring friends?”

Become a featured member in our newsletter for a $10 per month increase (reported as an additional $120 to the bureaus). You can read more about becoming a featured member here.