You can get a Harbor Freight Credit Card credit limit increase by making a request online or through the mobile app. Alternatively, you can ask for a credit limit increase over the phone at (855) 341-3108.
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 your income. You will be more likely to get a credit limit increase if the revised income clearly shows that you can afford a higher limit.
How to Get a Harbor Freight Credit Card Limit Increase Online
- Log in to your online account.
- Click “Services,” and then “Request Credit Increase”.
- Enter the required information and your new desired limit.
- Confirm the information entered and submit your request.
You should receive a decision in just a few seconds. You can also use the chat service in your online account to request a credit limit increase through a customer service agent. If you’re approved for a Harbor Freight Credit Card credit limit increase, the new limit is effective immediately.
Impact of a Harbor Freight Credit Card Limit Increase on Your Credit Score
When you request a Harbor Freight Credit Card credit limit increase, the issuer will typically conduct a soft pull of your credit report. This inquiry will not affect your credit score. However, if your account was opened within the last 60 days, a hard pull may be reported.
Alternatively, you could be eligible for a Harbor Freight Credit Card credit limit increase without even requesting one. The issuer may offer an automatic credit limit increase if regular reviews of your account show a history of on-time payments and low debt. An automatic credit limit increase also involves a soft pull, which does not affect your credit score.
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