The easiest way you can increase your Old Navy Credit Card credit limit is by submitting a request either online or through the mobile app for iOS and Android. Alternatively, you can ask for a credit limit increase by calling customer service at (866) 928-8598. The same methods apply to the Old Navy Store Card, too.
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 the issuer has on file. The issuer 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 Old Navy Credit Card Credit Limit Increase Online
- Log in to your online account or the mobile app for iOS and Android.
- Choose the Old Navy Credit Card from the list of account options.
- Click on the “Services” tab and then on “Request Credit Line Increase.”
- Enter the desired credit limit, along with your net income, occupation, employer, and length of employment.
- Confirm the information entered and submit the request.
You should receive a decision in just a few seconds. If you’re approved for a Old Navy Credit Card credit limit increase, the new limit is effective immediately.
Impact of a Old Navy Credit Card Credit Limit Increase on Your Credit Score
When you request a Old Navy Credit Card credit limit increase, the issuer will conduct a hard pull, which will cause a short-term dip in your credit score. The issuer cannot do a hard pull without your permission.
Alternatively, you could be eligible for a Old Navy Credit Card credit limit increase without even requesting one. The Old Navy Credit Card may offer an automatic credit limit increase if the issuer’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.
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