Redstone Federal Credit Union Credit Cards

You can get a Redstone Credit Union credit card credit limit increase by making a request through your online account or by calling customer service at (800) 234-1234. You can also request a credit line increase in person, at a Redstone Credit Union branch.

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 Redstone Credit Union 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.

Impact of a Credit Limit Increase on Your Credit Score

When you request a credit limit increase, Redstone Credit Union 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.

On the other hand, there are times when you could be eligible for a Redstone Credit Union credit limit increase without even requesting one. The issuer may offer an automatic credit limit increase if its regular reviews of your account show 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.

The credit score needed for a Redstone credit card isn't disclosed. Besides your score, the issuer will look at other factors when determining your eligibility for a new card, such as your income, debts, or previous relationship with Redstone Federal Credit Union.

However, if you don't have a credit history or you're trying to rebuild your credit, you'll have better approval odds with the Redstone Visa Traditional Credit Card. Otherwise, you might qualify for the Redstone Visa Signature as well.

Just keep in mind that you'll need to be an RFCU member in order to be able to apply for their credit cards.