Increase Credit Limit Jacksonville, FL

If you’re new to credit or rebuilding a bad credit score, the feeling you have when you get an increase in credit card limit feels great. Moreover, an expansion could help you avoid penalty fees and earn flyer points on big tickets. On the other hand, it can be detrimental, especially if you have an overspending problem.

Before requesting an increase, you’ll need the correct information at hand – about your total income, rent payment and mortgage payment, employment status. These pieces of information are essential so that we’ll be able to review and service your account in the future.

Here are several ways that you can do to increase your credit limit:

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You can request a new card with a higher limit

Making on-time payments for your existing cards makes it easier for the company to approve a new credit card with a higher limit. It is the easiest option since each card has its limit cap set out depending on various factors and demographics.

You can make a request online for a credit limit increase

It is a simple process. All you need to do is log into your account, head to the appropriate option, and submit your request. Up-to-date income information is required to facilitate this.

Call the issuer and defend your case

This means calling the number on the back of the card and asking if you qualify for a higher credit limit. If yes, tell them why you deserve it. Here are some suggestions.

  • You have been a loyal customer and have never stopped paying
  • You’re paying more than the minimum security balance
  • You make payments on time
  • Your income is higher now

Feel free to increase your credit limit as it will improve your credit score by giving you a lower credit utilization rate, increasing your spending potential, maximizing your rewarding income, and more.

Need us today? Don’t hesitate to call us!

Contact us today to access, review your credit report, and find out how to improve your credit card limit and credit score. Avail of our best credit repair services here in Jacksonville!