CREDIT

Mar 26 2020

Credit one increase request #Credit #one #increase #request



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

Q. What information do you need to process the credit line increase?

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.

Q. Why do you need to verify my income and housing payment?

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.

Information provided in the Credit Line Increase Request Center (powered by CMC Technology) is subject to Elan’s privacy policy and will only be used by Elan Financial Services for the purpose of evaluating your credit line eligibility. Your information will never be shared or sold to another party.

Q. Can I request my credit line increase over the phone?

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).

Q. Will this credit line increase request result in a credit bureau check?

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.

Q. How will I know if I have been approved?

A. After submitting your credit line increase form, you may receive preliminary approval. If approved, after final review, a formal approval will arrive by mail within seven to ten business days.

Q. When will my new line go into effect?

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.

Q. How could a credit line increase affect my credit rating?

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?

A. Yes, in order to process the request, you will be required to unfreeze with all three consumer reporting agencies.

Q. What if I have a fraud alert on my credit report?

A. If we identify that you have a fraud alert on your credit report, a credit report will be pulled and a credit specialist will contact you before further processing.

Q. Who can I call if I have additional questions?

A. For questions specific to this credit line increase offer, please call 1-866-863-8940 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.

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.

© 2019 Elan Financial Services | Security Standards

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SOURCE: http://card.myaccountaccess.com/credit/offer.do?redirect=cl&lang=en

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