You can request a First Access Visa® Card credit limit increase by calling Bank of Missouri's customer service at (888) 267-7980. To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income Bank of Missouri has on file. Bank of Missouri will be more likely to increase your credit limit if the revised income clearly shows that you can afford a higher limit.
When you request a First Access Card credit limit increase, Bank of Missouri will conduct a hard pull of your credit report, which will cause a short-term dip in your credit score. Bank of Missouri cannot do a hard pull without your permission, though.
Alternatively, you could be eligible for a First Access Card credit limit increase without even requesting one. The First Access Card card may offer an automatic credit limit increase if Bank of Missouri's regular review of your account shows a history of on-time payments and low debt. An automatic credit limit increase involves a soft pull, which does not affect your credit score.
The First Access Card credit limit is $300 or more. Everyone who gets approved for First Access Card is guaranteed a credit limit of at least $300, and particularly creditworthy applicants could get limits a lot higher than that. The higher an applicant’s credit score and income are, the higher the starting credit limit is likely to be.… read full answer
The First Access Card credit limit that you start with isn’t necessarily your credit line forever. You can ask to get a credit limit increase by calling the customer service number on the back of your card, but it’s best not to do that more than once a year. First Access Card will also evaluate your account periodically to determine whether you are eligible for a credit limit increase. Paying on time and keeping your credit utilization low are key for getting unsolicited credit line increases with First Access Card.
Withdraw the cash and remove the credit card from the ATM.
Before you take out a First Access Card cash advance, it’s important to note that it is a very expensive transaction. For starters, there’s a $0 the 1st yr, 3% (min $10) after cash advance fee. There’s also a separate cash advance APR of 34.99% that applies as soon as you withdraw the cash. There may be ATM-owner fees, too.
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