How to Increase Your Edgar’s Store Credit Card Limit

Having a higher credit limit can help with big purchases and emergencies. The Edgar’s Store Credit Card is accessible, and it’s possible to increase your limit with a few smart steps. This guide explains how the limit works, how to request an increase, and the habits that improve approval odds.

Understanding the Edgar’s Store Credit Card Limit

Your Edgar’s Store Credit Card limit is the maximum amount of credit you can use for purchases or installments. When you first receive the card, that limit isn’t random — it’s calculated based on your income level, credit history, and payment habits. The bank wants to know if you’re a reliable payer before offering you a higher amount.

For example, if you have a steady income, pay your bills on time, and avoid carrying high balances, your profile is seen as low risk. That means you’re more likely to qualify for future limit increases. On the other hand, late payments or excessive debt can make the issuer cautious about giving you more credit.

It’s important to understand that your limit can grow over time — the more responsibly you use the card, the stronger your relationship with the bank becomes. Regular usage and full, on-time payments build trust and show that you can handle higher credit responsibly.

Use your card frequently for everyday expenses, but always pay off the full amount before the due date. This simple habit signals reliability and helps the system flag your account for automatic reviews or future limit increases.

How to Request a Credit Limit Increase

If you’ve been using your Edgar’s Store Credit Card responsibly and want a higher limit, the process is quick and straightforward. You can make the request digitally or in person, depending on your preference.

• Online or App: Log in to your account via the Edgars Credit app or website.
• Go to the section labeled “Credit Limit Increase” or “Manage My Card.”
• Select the suggested new limit or type in your preferred amount.
• Upload proof of income if required — like a recent payslip or bank statement.
• Submit your request and wait for the review.

Most applications are reviewed within a few business days, and you’ll receive an SMS or email once the decision is made. If you prefer face-to-face assistance, you can visit an Edgar’s Store branch or call customer support to submit your request manually.

Best Practices to Increase Your Limit Faster

Asking for a higher credit limit is only part of the process — what truly matters is showing the bank that you’re a responsible and trustworthy customer. The way you use and manage your Edgar’s Store Credit Card directly affects how fast your limit can grow. Here are the best habits to adopt if you want quicker approval and stronger chances of getting an increase:

• Pay your bill on time — always. Late payments are one of the main reasons for denied increases. Paying before or on the due date shows discipline and reliability.
• Keep your spending under control. Try not to use more than 30% to 50% of your available limit. Staying within this range demonstrates that you manage credit wisely and don’t depend too much on it.
• Use your card regularly. Make small, consistent purchases every month. The system rewards active accounts with a higher chance of automatic limit reviews.
• Update your income proof whenever it changes. If your salary increases, send the new documents — it gives the bank a reason to offer you a higher limit.
• Maintain a clean financial record. Pay off old debts and avoid new ones that could harm your credit score. A healthy credit profile inspires confidence.
• Avoid cash withdrawals or cash advances. They usually come with high fees and make you appear as a higher-risk customer.
• Monitor your credit score. Keeping track of your score helps you know when you’re in a strong position to request a higher limit.

When you consistently show good financial behavior, the system may automatically flag your account for a review — leading to an automatic credit limit increase without you even needing to ask. In short: use the card wisely, stay organized, and let your good habits speak for you.

How Long Does It Take to Increase the Limit?

The time it takes to have your limit increased depends on your profile and how you submit the request. In most cases, the review process takes between 3 and 10 business days. If you’re asked to provide extra documents — like updated proof of income or bank statements — it may take a little longer.

Customers with an excellent payment history often benefit from automatic reviews every 6 to 12 months. During these reviews, the system checks your spending habits and payment consistency. If your record is solid, the increase can happen automatically without you needing to make a formal request.

To speed things up, make sure your details are up to date and your last few payments were made on time — this makes your profile stand out during the analysis.

What’s the Maximum Edgar’s Store Credit Limit?

There’s no single maximum limit for the Edgar’s Store Credit Card because each customer’s profile is different. Your income, credit score, payment history, and debt level all influence the total credit you can receive. Customers with a steady income, clean credit record, and responsible card usage generally qualify for the highest limits.

Typically, entry-level customers start with a smaller amount that grows gradually as they build trust. Over time, with consistent payments and increased income, your limit can reach much higher values. The key is to show financial stability — that’s what determines how far your limit can go.

Can I Request an Increase Anytime?

Yes, you can request an increase whenever you feel ready. However, it’s best to wait at least three to six months after your last adjustment or approval. This gives the system time to gather enough data about your payment behavior and spending patterns.

Submitting too many requests in a short period can make it seem like you’re struggling financially, which reduces your chances of approval. Instead, focus on improving your profile — pay off debts, increase your income, and use your card responsibly before making a new request. That way, your next application has a much higher chance of success.

Is the Limit Increase Automatic?

Yes, in some cases the limit can be increased automatically. Edgar’s Store and its financial partner regularly review accounts to identify responsible customers. If you’ve been paying on time, keeping your balance low, and using your card frequently, you might receive an automatic credit limit boost without even asking for it.

When that happens, you’ll be notified by SMS, email, or directly through the Edgars app. But even if your account doesn’t qualify for an automatic review, you can always submit a manual request for a limit increase at any time — especially if your income or credit score has recently improved.

Automatic reviews are a reward for consistency — so keep your record clean, use your card smartly, and let the system work in your favor.

My Request Was Denied. What Should I Do?

If your request for a higher limit was denied, don’t get discouraged — this is more common than you might think. The good news is that a “no” doesn’t mean “never.” It simply means that, at the moment, the system didn’t find enough reasons to increase your credit. Here’s how you can recover and prepare for a better result next time:

• Understand the reason for denial. Contact Edgar’s customer service and ask what led to the decision — it might be because of delayed payments, a high debt ratio, or insufficient income documentation.
• Strengthen your payment history. Make sure to pay all your bills on time for at least the next three months. This is one of the main factors banks consider when reviewing your account again.
• Keep your balance under control. Try not to use more than 50% of your current limit. This shows financial discipline and reduces the risk of over-dependence on credit.
• Update your financial information. If your income increased or you got a new job, submit the updated documents. A higher income improves your ability to qualify for a larger limit.
• Be patient and strategic. Wait at least three to six months before applying again. During this time, focus on maintaining perfect payment behavior and avoid new debts.
• Consider a smaller increase request. If your previous request was too ambitious, try asking for a smaller, more realistic amount next time.

Each time you show consistency, your credit profile improves — and the system starts to trust you more. Often, after a few months of responsible usage, the next review will result in a successful increase.

Does Having a Negative Record Prevent the Increase?

Yes. If your name appears with credit bureaus such as TransUnion or Experian, your chances of getting a higher limit drop significantly. That’s because the system sees any negative record as a sign of risk, even if the debt is small or old. The first step is to clean your name before submitting a new request.

• Negotiate and settle all outstanding debts. Reach out to creditors and request settlement options or payment plans to close the accounts in default.
• Get a written confirmation of settlement. Once the debt is paid, ask for a formal letter or statement confirming that your account is “paid in full” or “settled.”
• Allow time for updates. It can take 30 to 45 days for credit bureaus to reflect the cleared status in your profile.
• Reapply only after your record is clean. Once your name is off the negative list, your approval chances increase dramatically — especially if you maintain good payment habits in the meantime.

Having a clean record not only helps with credit limit increases but also improves your overall financial reputation. Keeping your accounts up to date and avoiding new defaults is the foundation for long-term financial freedom and access to better credit opportunities.

How Many Times Can I Request an Increase?

There’s no fixed rule on how many times you can request a credit limit increase with your Edgar’s Store Credit Card, but moderation is key. Asking too often — especially within short periods — can send a negative signal to the credit system, suggesting financial pressure or overreliance on credit.

A good rhythm is to make a request no more than twice a year. This gives enough time for your financial behavior to be reassessed and for improvements (like increased income or consistent payments) to reflect on your credit profile. Each request should be made with a purpose — ideally when there’s a real improvement in your situation.

For example, if you recently got a raise, started a new stable job, or have been paying your account early for several months, those are excellent moments to reapply. Submitting an increase request under those conditions can show the bank that you’re ready for more credit.

Always wait a few billing cycles after a previous denial before applying again. Reapplying too quickly may lead to another rejection, which can affect your credit confidence score.

How to Apply for the Edgar’s Store Credit Card

If you don’t have an Edgar’s Store Credit Card yet, applying for one is easy and accessible. The process is designed to be quick, whether you prefer to do it online or in person at one of the stores. Here’s how you can apply:

• In-store application: Visit any Edgar’s branch and go to the customer service or credit desk. Bring your valid ID, proof of income, and proof of address. A consultant will help you fill out the form and send it for review.
• Online application: Visit the official Edgar’s website and navigate to the credit section. Complete your personal information, upload required documents, and submit your application for digital review.
• Via mobile app: You can also apply through the Edgars Club or RCS app (available for Android and iOS), where the process tends to be faster and fully paperless.

After submitting your information, the bank will conduct a credit assessment to determine your eligibility and initial limit. If approved, you’ll receive your card in-store or by mail within a few business days, ready to use immediately.

The better your credit history and income stability, the more likely you are to start with a higher initial limit.

How to Contact the Edgar’s Store Card Operator

If you have questions, need help with your account, or want to follow up on a limit increase request, Edgar’s offers several support options. Choose the one that’s most convenient for you:

• Customer Care (Phone): Call 0860 111 826 during business hours for assistance with your account or credit inquiries.
• Email Support: Send your questions or documents to [email protected] — ideal for submitting proof of income or following up on applications.
• In-store Service Desk: Visit any Edgar’s Store and speak directly to a consultant who can help with account updates, payments, or credit reviews.
• RCS App: If your card is linked to RCS, log in to the app to check balances, request increases, or contact support via the integrated chat feature.

Before reaching out, keep your ID number and account details on hand. This helps the support team locate your profile quickly and provide faster service.

Final Thoughts

Increasing your Edgar’s Store Credit Card limit isn’t just about asking for more credit — it’s about building trust through consistent, responsible behavior. The more reliably you use your card, the stronger your reputation becomes with the lender. Pay on time, avoid late fees, and update your income whenever your situation improves.

Over time, these good habits lead to automatic limit reviews and easier approvals for manual requests. Remember: financial discipline today means more flexibility and purchasing power tomorrow. Stay organized, use credit wisely, and let your financial growth open the door to better opportunities.