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How to Increase Your Credit Limit

At VyStar we think it’s important to have ready cash available for the things you want. Carrying a good size balance on your line of credit will not only help you with larger purchases and when traveling but also prepare you for unexpected emergencies.

You can apply for a credit limit increase anytime at VyStar through a normal loan process. If everything is in order, you may receive approval in a matter of minutes.

Contact VyStar’s Call Center. You may apply for a credit limit increase on your credit card by contacting a VyStar Representative at (904) 777-6000, option 3 or (toll free) 1-800-445-6289, option 3.

Stop by a VyStar branch. You may request a credit limit increase on your credit card at any VyStar Branch.

Apply Online. In Internet Banking, select “Apply for a Loan” and fill in the application – requesting a credit limit increase requires a normal credit application process.

Ways to Improve Your Chances for a Credit Limit Increase

• Prove your credit worthiness – this is the first thing most financial institutions look at when raising the limit on your loan.
  
  
• Spend within your credit limit – keep an eye on your balance and make payments to ensure you don’t max out your line of credit. This lets us know you are capable of controlling your spending.
  
  
• Use your line of credit – although it’s nice to have a card only for emergencies, a good way to build your credit is to establish good borrowing and pay-back habits.
  
  
• Avoid late payments. Although we know there can be an occasional missed payment or some kind of financial difficulty, a late payment usually means you are having trouble managing your debt.
  
  
• Avoid only making minimum payments – in fact, paying your whole balance every once in a while could improve your chances for a credit limit increase.
  
  
• Use your credit wisely. A good transaction and payment history on all your loans can be the key to your success.

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