Credit one increase request
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Credit Line Increase Request Center
Thank you for your interest in this credit line increase. An increased credit line may give you more buying power and greater peace of mind. You may already be eligible, and it takes less than a minute to finalize your request. Your information will be kept private and secure throughout the process.
Frequently Asked Questions
A. You will be asked to confirm your income and we may also need to confirm your monthly housing payment. For your privacy and security, we’ll also ask for your Zip Code, the last four digits of your credit card Account number, and the last four digits of your Social Security number to verify your identity. For Joint Accounts, you will be asked to confirm income and monthly housing payment details for both account holders.
A. Federal regulations require us to verify the ability-to-pay of each customer meets certain requirements for further extension of credit. We must consider your income and any housing payment information before reviewing your credit line increase request.
A. Yes, you may request a credit line increase by phone by calling 1-866-863-8940 . Representatives are available Monday through Friday between 8 a.m. and 11 p.m. EST or Saturday and Sunday between 10 a.m. and 8 p.m. EST (Relay assistance available).
A. In many cases, line increases requested through this online process or by calling 1-866-863-8940 will not require an additional credit bureau check (also known as a consumer report review). In certain circumstances, we may need to obtain your consumer report from the credit bureaus to validate credit information. Requests made via any other forms or telephone number will result in a consumer report review.
A. If you are approved, your new credit line will go into effect within two to three business days. The amount of your new credit limit will also appear in the Activity Summary of your next monthly credit card statement.
Q. Where can I find my current credit line?
A. Your current credit line or revolving credit line (also called a Line of Credit or Revolving Line of Credit) can be found on the first page of your monthly statement in the Activity Summary box. You may also call Cardmember Service at the phone number listed on the back of your credit card.
A. One of the measurements credit bureaus use to determine a credit score is the ratio of debt to a credit limit. To learn more about credit and the impact of credit limits on your credit score, visit the website of one of the three main credit bureaus in the U.S. — Experian®, Equifax® or TransUnion®.
Q. Do I need to unfreeze my credit report?
Q. Who can I call if I have additional questions?
If you have general questions regarding your credit card account, call Cardmember Service at the phone number on the back of your credit card. Cardmember Service is available 24 hours a day, 7 days a week.
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