To ensure user security, all Atlas accounts have spending limits which are subject to change at any time based on an algorithmic or manual review process. New accounts start with lower limits that may be automatically upgraded based on available balance in the linked bank account and spending/payment history with Atlas.

Atlas is designed to help you pay off your card balance as you spend, maximizing on-time payments for credit building, keeping card utilization low for credit building, preventing runaway debt, and ensuring account security. Increased limits are generally given to users with sufficient income and funds to cover spending from the linked bank account and a history of successful Smart Pay payments to prevent a large balance.

We do not offer manual increases at this time.