Credit Card Line Increase

Young woman laughing outdoors.

Congratulations, you’ve earned a higher credit line on your KEMBA Platinum Rewards Visa!

Continue to enjoy your card features with more spending power, including:

Plus, your cash back rewards will be deposited into a Rewards Savings Account where you can earn up to 5.00%APY!²

Frequently Asked Questions

  1. What factors determine if I’m eligible for a credit line increase?

    When considering an account for a credit line increase, we may look at a variety of factors such as your on-time payment history, average monthly payment amount, credit bureau information, and credit score. We may also look at whether you use a significant portion of your existing credit line. If you regularly use your card and make payments on time, it builds your account’s payment history. The increase will not negatively impact your credit score.

  2. How will this impact my credit score?

    The increase will not negatively impact your credit score. In fact, in most cases, an increased limit shows you are credit worthy and can help your credit score. Increasing your credit limit will immediately cause your outstanding credit card debt to become a smaller percentage of your credit limit thus lowering your credit limit utilization which can boost your overall credit score.

  3. What if I’d like to request a higher limit?

    If you are interested in a higher credit line increase, please call us at 614.235.2395 or 800.282.6420, option 2, or visit a branch and a KEMBA representative will be happy to assist you.

  4. What if I don’t want to take advantage of the credit line increase?

    Simply visit one of our branch locations, or call us at 614.235.2395 or 800.282.6420, option 4. A KEMBA representative will be happy to assist you.

¹1% cash back rewards paid once per year. You will receive 1 point for every $1 you spend with your credit card. Cash back points will be awarded for balance transfers made within the first ninety (90) days your Platinum Rewards account is open. 100 points=$1 cash back. Account must be in good standing at time of payout. Minimum to receive reward is 2,500 points. KEMBA reserves the right to exclude repeated balance transfers from cash back offer. Cash back offer subject to change without notice.

² APY=Annual Percentage Yield. Rewards Savings account rate of 5.00% APY for KEMBA Advantage members and 1.00% APY for non-Advantage members current as of March 28, 2022, and subject to change at any time. See Advantage Program details.


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