How to Get a Maurices Credit Limit Increase
Even though there are plenty of reasons to obtain a credit limit increase, it's common to be worried about any potential impacts on your credit score. Too many credit inquiries can result in a negative hit to your credit, of course, but correctly expanding your credit can also have positive benefits as well. Instead of going straight to the source to see if you qualify for a Maurices credit limit increase, can put you at ease and help you breeze through the process with confidence.
About Maurices Credit Cards
With more than 1,000 stores in North America, Maurices is an established apparel store with 90 years in the retail space. For regular shoppers, a Maurices credit card offers plenty of incentives, including free shipping, discounts on just about everything, and even exclusive invitations for special events. Issued by Comenity Bank, a Maurices credit card can also be an easy way to establish credit for either young shoppers or those looking to rehab their credit.
When Can Users Request Maurices Credit Limit Increases
Although there are some differences between a traditional credit card and a Maurices card, the process for asking for increases is similar. Once you've shown that you can pay off your balance consistently, you have created a relationship that should pretty easily allow for a credit limit increase in most circumstances. In some cases, a credit will be automatically expanded once a customer has proven that paying off balances is not a problem.
Another key element of credit increases is the income profile, which is actually a requirement by the federal government for anyone issuing credit. Anyone looking for a Maurices credit limit increase should remember to keep up-to-date income information on file to make it easy for Comenity Bank to approve an increase. You should also keep the following in mind:
- Overall credit history
- Current credit score
- Delinquent payments on your record
- Your credit utilization rate
- Number of hard inquiries
Benefits of Increasing Your Maurices Credit Limit
One of the most important factors in your credit score is the credit utilization rate; the better your rate, the better your score. In general, credit issuers want to see that you have plenty of established credit along with limits that are well above what you charge. One of the easiest ways to increase your credit score is to keep charging roughly the same amount to an account while increasing your credit limit.
As credit scores improve, customers can then access better interest rates and will have an easier time applying for credit lines elsewhere. Anything from student loan rates to mortgages can be improved by enhancing your credit score via your credit utilization rate.
Requesting Credit Limit Increases from Maurices on Your Own
To directly request a credit limit increase for a Maurices credit card, calling customer service is recommended to get started. Before you call, however, here are some steps to consider:
- Check your credit score (preferably with your bank)
- Make sure your current Maurices bill has been paid
- Check your current Maurices credit limit
- Check your credit limits for other accounts
- Calculate your credit utilization rate
- Ask whether there will be a soft or hard inquiry
Knowing your credit score when negotiating for a credit limit increase is a must. You shouldn't have to sign up for one of the free credit checks online either; most major banks offer monthly credit checks without hits to your credit. If your credit score has dropped, you might want to determine why and possibly even make some improvements before asking for a credit increase.
In addition to knowing your Maurices credit limit, it's helpful to know your limits for other credit cards as well—particularly other retail cards. It will also help if you know your credit utilization rate, which you can calculate with some help from NerdWallet. You might even want to calculate it for all your credit cards as well as for your Maurices card, giving you a great sense of what lenders will be looking at.
Other Considerations: Hard vs. Soft Inquiries
Once you do call customer service, it's critical to ask whether a credit increase request will result in a hard or soft credit inquiry.
Which one will negatively impact your credit?
Asking beforehand will give you a chance to rethink your credit increase request in case the process will yield a hard pull inquiry. And if a hard inquiry will be the result of your request, make sure your finances are in good order, so you have confidence you will receive the limit increase.
Getting a Maurices Credit Limit Increase With DoNotPay
Requesting credit limit increases doesn't actually have to involve checking your credit limits and possibly some light math. Instead, has you covered in six simple steps:
- Go to the Credit Limit Increase product on DoNotPay.
- Select which type of card you own and your credit provider.
- 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.
- Tell us more about your current income and expenses and why you would like to request a limit increase.
- 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.
- 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.
Why You Should Use DoNotPay for Maurices Credit Limit Increases
When dealing with credit, customers want to be in control—one of the best reasons to use DoNotPay for credit limit increases. With DoNotPay, you can specify whether or not you're willing to allow a hard pull credit inquiry, ensuring that you will not expose yourself to a negative credit hit unless you're ready for one.
Instead of a complicated process, the entire system is designed for ease of use. DoNotPay helps you organize all your relevant financial information and contacts Maurices' credit department, so you don't have to. Once your request has been submitted, you'll have a digital file with all of the information included in the request.
Other Credit-Related Situations DoNotPay Can Help With
DoNotPay can help with all sorts of different credit inquiries. Here are some of the other financial institutions DoNotPay can request credit increases from on your behalf:
Other Areas DoNotPay Can Assist You
While many financial institutions rely upon customers not knowing the ins and outs of credit, DoNotPay can help level the playing field. The same principle is at work for all the other services DoNotPay provides, including headache-free chargebacks and refunds, , , and more.
Instead of wasting time figuring out a problem without help, let DoNotPay get you started with just a few clicks.