How do I get a Harbor Freight Credit Card credit limit increase?

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

1. Log in to your online account.
2. Click “Services,” and then “Request Credit Increase”.
3. Enter the required information and your new desired limit.
4. 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.