6 Expert Tips → How to Increase Credit Limit (First PREMIER®)

credit card advice

Ashley Dull
By: Ashley Dull
Posted: March 15, 2017
Opinions expressed here are ours alone, and are not provided, endorsed, or approved by any issuer. Site may be compensated through the issuer affiliate programs.

As a First PREMIER® customer, you’ve likely been working to rebuild your credit for a while now. This means you’ve been paying your bills on time and have kept your credit utilization ratio low.

Having displayed good credit behavior, you may find that you’re now ready for an increased credit limit, and you have a few options for doing this: You can request an increase on your current card, or you can apply for a better one. If you’d like to increase the limit on your current card, you can do so online or over the phone.

1. Call a First PREMIER® Credit Analyst or Log In Online

Call 1-800-987-5521 to reach customer service, or to do it online, log in to your account here.

First PREMIER Bank online login screenshot.

Log in to your First PREMIER® account online to request your credit limit increase.

If you have not yet created your First PREMIER® online account, click “Enroll Now” to do so. You’ll need your account number, social security number, card expiration date, zip code, phone number, and CVV code. You’ll then need to create a username and password.

Be aware that for every credit limit increase (CLI) you’re approved for, First PREMIER® charges you a fee equal to 25 percent of the amount of the CLI. For example, if you’re approved for an additional $100, you’ll be charged a $25 fee. This is one of the reasons we have another option for you.

2. Sign Up for a New Credit Card

If you haven’t yet considered it, you can apply for a new credit card altogether. Since you’ve likely boosted your credit score by using your First PREMIER® credit card responsibly, you may very well qualify for a new card from a new issuer.

Besides the CLI fee noted above, First PREMIER® has some of the highest fees of any issuer. Credit One Bank® has some good credit card offers for folks who are working to rebuild their credit to consider:

Credit One Bank® Platinum Visa® Review

at Credit One'ssecure website

BAD CREDIT RATING

★★★★
4.0

OVERALL RATING

3.7/5.0
  • Receive 1% cash back on eligible purchases, terms apply
  • Make paying your bill easier with the ability to choose your payment date. Terms apply.
  • See if you Pre-Qualify without harming your credit score
  • Zero fraud liability protects you from unauthorized charges
  • Monitor your credit with free online access to your credit score
  • Show off your style with a premium card design, a fee may apply
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.15% - 24.65% Variable
$0 - $99
Bad Credit
Credit One Bank® Unsecured Visa® for Rebuilding Credit Review

at Credit One'ssecure website

BAD CREDIT RATING

★★★★
4.0

OVERALL RATING

3.7/5.0
  • See if you Pre-Qualify without harming your credit score
  • 1% cash back on eligible purchases, terms apply
  • No deposit requirements and opportunities to build your credit
  • Enjoy the flexibility to choose your payment due date. Terms apply.
  • Receive opportunities for credit line increases, a fee may apply
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.15% - 24.65% Variable
$0 - $99
Bad Credit
Credit One Bank® Unsecured Platinum Visa® Review

at Credit One'ssecure website

BAD CREDIT RATING

★★★★
4.0

OVERALL RATING

3.7/5.0
  • Credit One Bank automatically monitors every account for credit line increase opportunities each month. We'll let you know as soon as you're eligible for a higher credit line. A fee may apply.
  • See if you Pre-Qualify without harming your credit score. Find the card that's right for you in less than 60 seconds.
  • Eligible purchases will automatically get you 1% cash back, terms apply.
  • This is a fully functional, unsecured credit card—not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
  • Enjoy peace of mind with $0 Fraud Liability
  • Email and text alerts remind you when your bill is due, your payment posts, or your available credit is running low
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.15% - 24.65% Variable
$0 - $99
Poor Credit

+ See more credit cards for bad credit offers

3. Read the “6 Expert Tips” for Increasing Limits

If you still prefer to increase the limit on the card you already have, you’ll need to have some information about your credit history (such as why you didn’t pay that phone bill in 2013), current income, and expenses on-hand. We recommend reading this article before requesting your increase:

This will increase your chances of approval by learning what to say and what not to say to the credit analyst, as well as informing you of the general rules for knowing if you qualify for an increase in the first place. Best of luck!