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

Since your Secured credit card account has a deposit to secure the credit limit, we'll need a written request to make changes. To decrease your credit limit, there's a $15 fee charged to the credit card account. If you'd like to proceed, 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

The request will be completed within seven (7) business  days after we've received it, then we'll 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 new limit. If you have any questions, please call us at 800-285-8585. We accept relay calls.