Do you offer credit limit increases?
Yes - we do offer optional increases to your credit limit on your Perpay Credit Card, as issued by Celtic Bank!
How do I qualify for a credit limit increase?
While we do not currently accept credit limit increase requests from cardholders, your account is routinely monitored for eligibility. Accounts are evaluated during regular pay cycles, and reviews take into account several factors including repayment history, adherence to payroll deposit requirements, and overall account activity.
The following are some actions that you can do to best position yourself to receive a credit line increase offer:
Use your credit card responsibly to showcase consistent activity.
Make on-time statement and direct deposit payments consistently for several months.
Increase your direct deposit payments above your minimum required amount
Maintain a utilization rate under 30%
The Perpay Credit Card is issued by Celtic Bank.