KNOWLEDGE BASE

How do I submit a credit limit increase for a secured credit card?

Since your credit card account has a deposit to secure the credit limit, we'll need a written request to make changes. 

  1. Prepare the request in writing and include the following information: 
    • Your first and last name
    • 16-digit credit card number
    • Your individual annual income, source of income, monthly housing payment, and indicate whether you own or rent your home
    • Your signature
  2. Obtain a cashier’s check or money order for the amount you'd like to increase. Please make it out to U.S. Bank National Association.
    • For example, if you have a $300 credit limit and you'd like a $500 credit limit, the check or money order amount needs to be $200
    • The final credit limit must be divisible by $100
  3. Mail your request to the address below. 
Cardmember Service
PO Box 6363
Fargo, ND 58125-6363
  • If approved, your increased credit limit will be available for use immediately after approval. Please allow for mail and processing time.
  • The credit limit on your Secured credit card is the same amount as your total deposit, with a maximum of $5000. 
  • Any request to increase the credit limit may result in an inquiry to your consumer credit report.
  • To qualify for a credit limit increase, your account needs to be:
    • Open for six (6) months
    • Not be over the limit
    • In good standing
  • After the account’s been opened for six months, limit increases can be requested every six months thereafter.

If you have any questions, please call us at 800-285-8585.