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

You can decrease the amount of your secured card easily. Since your secured credit card account has a deposit to secure the credit limit, we'll need a written request to make changes. Or you may call us at the number on the back of your credit card and a customer service agent will be able to assist you. We accept relay calls.

If you'd like to proceed in writing, follow these steps:

  1. Prepare the request in writing and include the following information: 

    • Your first and last name
    • Mailing address
    • 16-digit credit card number
    • Dollar amount of the decrease in $100 increments
    • Your signature
  2. Mail or fax your request to us for review:

Cardmember Service
PO Box 6363
Fargo, ND 58125-6363
Fax: 701-461-3635

Your request may take up to two billing cycles for the new credit limit to become effective. We will then mail a check for the decreased amount.

The secured credit card limit will be the same amount as your total deposit, with a minimum limit of $300. The balance on your secured credit card account cannot be more than the established limit.