Sarah Bilkins, WalletHub Credit Card Analyst
@sarah.bilkins
You can request a Legacy Credit Card credit limit increase online, through the First National Bank mobile app, or by calling customer service at 888-883-9824. 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 First National Bank has on file. First National Bank will be more likely to increase your credit limit if the revised income clearly shows that you can afford a higher limit.
How To Get a Legacy Credit Card Credit Limit Increase Online
- Log in to your online account or the First National Bank mobile app.
- Choose the Legacy Credit Card from the list of account options (if you have more than one First National Bank card).
- Click “Account Services,” and then “Request Limit Increase.”
- Enter your current credit limit and your desired total credit limit.
- Confirm the information entered and click “submit” to complete the request.
You should receive a decision in just a few seconds. If you’re approved for a Legacy Credit Card credit limit increase, the new limit is effective immediately.
Impact of a Legacy Credit Card Credit Limit Increase on Your Credit Score
When you request a Legacy Credit Card credit limit increase, First National Bank will conduct a hard pull of your credit report, which will cause a short-term dip in your credit score. First National Bank of Omaha cannot do a hard pull without your permission, though.
Alternatively, you could be eligible for a Legacy Credit Card credit limit increase without even requesting one. The Legacy Credit Card may offer an automatic credit limit increase if First National Bank’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.
People also ask
How long does it take to get a Legacy Credit Card?
It should take 10 to 14 business days to get a Legacy Credit Card after being approved.
If your card doesn’t arrive within that time frame, then call customer service at (888) 883-9824. They’ll be able to send you a replacement card if the original got lost on the way.
read full answer by Maria Adams, Credit Cards ModeratorWhat is the highest credit card limit you can get?
The highest credit card limit you can get is over $100,000, according to reports from cardholders. In order to get $100,000+ in spending power, you need to choose the right card and have a lot of assets and income, little debt, and a spotless credit history.
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What is a high credit card limit?
A high credit limit is $5,000 to $10,000 or more. You generally need good credit or better to get a credit card with a minimum limit this high, and most other credit cards will only guarantee a fraction of that spending power to start with. For example, the most creditworthy applicants can get a Visa Infinite card with a $10,000+ limit, while others might get just $500 from a traditional Visa.
One of the...
read full answer by Chip Lupo, Credit Card WriterDid we answer your question?
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