Need $500–$1,000 more on the card you already carry?

Liinc is the bridge between you, third-party underwriters, and card issuers. Apply in minutes. If your bank says no, a partner issuer can pay off the balance and issue a new card with a higher limit.

Apply for $500–$1,000 See the path

LIINC

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Current limit $2,000 Ask +$750

$500–$1,000 Increase range

Tokenized No raw card numbers stored

3 parties You · underwriter · issuer

Stripe Connect Partner fees, not consumer fees

The bridge

Four doors. One file.

Link & ask

Create an account, link your card as a token, and request $500, $750, or $1,000 more limit.

Underwriters read the file

Third-party fintechs review a redacted package and send it to your current issuer for an okay.

Issuer decides

Approved: the increase posts on the card you have. Declined: we open a partner-issuer path.

If the issuer declines

Switch, payoff, new card.

A partner card company can pay off your existing balance and issue a new card at the higher limit. Liinc collects its fee from that new issuer over Stripe Connect — not from you at apply time.

You accept the partner offer
Partner starts and completes payoff
New card is issued with the lifted limit
Origination fee settles to Liinc

Liinc is a fintech platform, not a bank or the card issuer. Credit is underwritten and issued by partners.

For issuers & underwriters

Plug into the bridge.

Underwrite files

API keys and a scoped inbox of applications. Recommend the issuer decision without holding the PAN.

Issue or decline

Current issuers approve a limit change on the existing account, or decline and release the consumer.

Originate & pay Liinc

Partner issuers onboard on Stripe Connect Express. When a switch closes, Liinc invoices the origination fee.

Partner portal