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 that the issuer has on file. You will be more likely to receive a credit limit increase if the revised income clearly shows that you can afford a higher limit.
Impact of an Old Navy Store Card Credit Limit Increase on Your Credit Score
When you request an Old Navy Store Card credit limit increase, the issuer will conduct a hard pull of your credit report, which will cause a short-term dip in your credit score. The issuer cannot do a hard pull without your permission, though.
Alternatively, you could be eligible for a credit limit increase without even requesting one. The Old Navy Store 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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