American Eagle Outfitters, Inc popularly known as American Eagle is an American lifestyle, clothing, and accessories merchandiser. Let us know about “American Eagle Credit Limit Increase”
American Eagle Credit Limit Increase
American Eagle Connecticut’s largest community-focused credit union offers up to five credit card options. Here is your full guide on how to increase your credit limit in detail. So do not worry about anything because we have got your back.
To apply for a credit limit increase, you must possess your card for at least a year. Meanwhile, during the year if you can show to the company that you are a low-risk credit card shopper and also possess a good Credit score then the chances of being successful in it then the chances of your credit limit getting increased are more.
Why Should You Be Careful?
Applying for a credit limit increase is easier said than done because if you apply for an increase too quickly or apply for more credit limits than the company is happy with or if your application is incomplete then your application will get rejected.
The problem with your application once getting rejected is that the rejection stays on your credit file for two years. This record may also mean that your later applications may get rejected too.
Let’s take a look at American Eagle’s Credit Card options:-
Types Of Cards
American Eagle offers four Visa Credit Cards and an American Eagle Outfitters (AEO) Store Card. Each card has its specialty and therefore has different procedures for increasing its Credit Limit too. But first, let’s look at the type of card, its limit, and what it can be best used for.
Signature Visa Credit Card – It is best for shoppers and frequent travellers offering a Credit limit from $5000 to $30,000
Platinum Rewards Visa Credit Card – for the astute shopper in you with a Credit limit of $500 to $30,000
Platinum Visa Credit Card – It too offers a credit limit from $500 to $30,000 but you can get this card if you plan on building credit.
Secure Visa Credit Card – It offers minimum credit of $250 as it is required mainly for constructing or repairing purposes.
As we see above, there is a wide range of credit limits from up to $500 to $ 30,000. Surely increasing your limit from zero to 30,000 takes time but it is achievable. Also bear in mind that you have the option of even changing a card to increase the limit.
Eligibility To Get A Credit Limit Increased:
To apply for a credit limit increase you must possess your card at least for a year. Meanwhile, during the year if you can show to the company that you are a low-risk credit card shopper and are successful in it then the chances of your credit limit getting increased are more.
Tips To Help You Build Your Credit Profile:-
Stay within your current credit limit
Make your payments on time
Whenever possible, pay more than the monthly minimum required.
Maintain your current credit score by doing these same things mentioned here for other cards that you possess currently.
Try to keep your overall credit utilization as low as possible
If you do any excessive spending then strive to pay that as early as possible.
All these things can help you increase your Credit score. Kindly note that you can also apply for a credit limit increase after 12 months of possessing a card if you see that your credit score has increased or you got a promotion, a new job, or a raise in your current salary.
How To Apply For A Credit Limit Increase?
You can apply for a Credit Limit Increase on an American Eagle Visa Card online, over the phone, or in person.
- To apply online
You will have to go to visit this link https://americaneagleapply.loanspq.com/GenericErrorPage.aspx?aspxerrorpath=/cc/CreditCard.aspx and click on Line Increase.
You will have to select the type of card you are currently holding
Now enter your credit card number
Fill in the details required in all the sections then apply.
After doing so, AEFCU American Eagle Credit Union will review your application and decide if you qualify for an increased limit or not.
- Over the phone
To apply for a credit limit increase on your card over the phone you need to have all the required documents. You can call the center at (860) 568 2020.
- In-person
You can print out the online forms and fill them up and make them your AEFCU branch.
It is also essential to bring all the documents you used to fill out the form so that the Branch Manager can personally verify them, ensure nothing is missing, and then submit it.
The benefit of visiting the branch in person and then applying is that they let you know if there is anything left out or if there are any queries before submitting then they can be clarified too. Also, you can get to know how strong is your application for the increased limit and the chances of it getting approved.
Also, keep in mind that everything you say or state when applying in-person or over the phone has to be true.
Conclusion
To increase American Eagle Credit Limit is not a tough job however it becomes super easy when you know everything that the company looks for in the customer seeking a Credit Limit Increase. Hope you find this information helpful. Make sure to use it whenever possible.
