Increase Credit Limit: How Soon Will King Size Increase Credit Limit?

While shopping at King Size men's fashions, you may have opened a credit card account with them. You may want a credit limit increase, but King Size might not review your credit limit frequently enough to suit your needs. Credit card companies often wait up to one year to naturally conduct a credit limit review.

The King Size men's clothing store, a FullBeauty Brands Operations, LLC brand, offers a credit card to make shopping in its store easier. This store credit card also provides rewards. You earn one point per dollar spent. The points earn you store credit with one thousand points equal to $50.

Although you might amass thousands of points at one time, you can only redeem $50 of store credit per month.

• You won't need to make a request; the store automatically awards you the store gift certificate when you earn 1,000 points. Because of the coolness factor of the credit card or the fact that it is a store credit card instead of a major credit card, the issuing bank, Comenity Bank, doesn't conduct reviews at the six-month mark.
• You can request a credit review and formally request that the bank increase your credit limit. Typically, though, this causes the bank to create a hard hit to your credit bureau report, and that costs your account some points. You need to wait until you have made at least one purchase using the credit card and paid it off or nearly paid it off. This provides the card issuers with a personal experience with you as a credit-worthy individual.
• You might have had the card for six months and made a purchase, which you've repaid or mostly repaid. As long as you have established credit with the company, you can request an increase.

Using the DoNotPay solution provides you with an efficient, straightforward way to expedite the application process. At DoNotPay, our request process alleviates frustration and quickly solves the problem by writing you a formal letter of request and submitting it to the bank or credit card company for you.

How Soon Will King Size Increase Credit Limit?

King Size doesn't issue credit cards for its store. Comenity Bank issues credit cards, and it uses a standardized set of criteria for credit limit reviews. According to FICO Forums, the bank waits until the cardholder has had their account for nine months before conducting a review. This review could come with a hard or a soft pull on your credit score.

Soft Pull vs. Hard Pull

• A soft pull won't affect your score
• A hard pull, also called a hard hit, will reduce your credit score, typically by about three to five points.

Most of its store cards provide a "love button" on its website. Clicking on this button requests a credit limit increase.

Experienced users on the FICO Forums warn that the bank doesn't typically award a credit limit increase on the first request. Without this manual request, you will need to wait at least nine months before the bank will conduct its review.

When Should You Request a Credit Limit Increase?

You should only request increased credit if you really need it. If you "need" the credit to make a purchase that your existing limit won't cover when you have fully repaid what you already borrowed, you have overextended your credit already. Banks like to lend money and increase credit limits for people who do not need credit or loans.

1. Before you request an increased limit, pay your King Size credit card back fully. Also, pay back your other credit cards. This will increase your available credit, which can help you qualify for a higher credit limit.
2. Make sure that you have made every payment on all of your loans and credit cards on time for at least six months before you make the request. You'll need the credit history to build your case for the credit limit increase.
3. Since you need to show that you don't really need the money, you need to have money in the bank. You should max out your savings account to ensure you have plenty of savings – at least twice the amount you would like the credit increased.

That means if you want the credit card limit raised to $1,000, you should have $2,000 in your savings account plus the regular amount that you usually have in your checking account. This lets the credit bureau see that you do not need the money, so they more willingly increase your credit limit.

Solve Your Credit Limit Increase Problem With the Help of DoNotPay

How Can DoNotPay Help?

Through DoNotPay's Credit Limit Increase product, we'll handle the request for you and make sure your credit score isn't affected without your permission.

How Does It Work?

We'll ask you a few questions about your current card, income, employment status, and more and send a formal request to your credit provider to ask for a limit increase.

How to request higher credit limits using DoNotPay:

1. Go to the Credit Limit Increase product on DoNotPay.
2. Select which type of card you own and your credit provider.
3. Tell us more about your card, such as when you first created this card, your current credit limit, what you would like your new limit to be, your card number, and whether you've missed past payments.
4. Tell us more about your current income and expenses and why you would like to request a limit increase.
5. Indicate whether you want to allow hard inquiries to be made into your credit history. Upload a copy of your ID and provide your e-signature.
6. Submit your task! DoNotPay will deliver the request letter on your behalf. You should hear back from the card provider with confirmation or a request for more information within a few weeks.

We can also help with credit increases for credit cards issued by: