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

By: Ashley Dull • March 15, 2017

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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.

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:

+ 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!

Editorial Note: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

About the Author

Ashley Dull

Ashley is the Finance Vertical Manager at Digital Brands, Inc., where she oversees content published on CardRates.com and BadCredit.org. Ashley works closely with experts and industry leaders in every sector of finance to develop authoritative guides, news, and advice articles with regards to audience interest. Connect with Ashley on Twitter and LinkedIn.