You can easily lower the amount of your secured credit card. Since your card is secured by a deposit, we need a written request to make changes. You can also call the number on the back of your card, and a customer service agent can help you. We accept relay calls.

To send your request in writing we’ll need the following:

1. • Your first and last name
   • Mailing address
   • 16-digit credit card number
   • Dollar amount of the decrease in $100 increments
   • Your signature

Mail or fax your request to:

Cardmember Service
PO Box 6363
Fargo, ND 58125-6363

Fax: 701-461-3635

It may take up to two billing cycles for your new credit limit to take effect. After that, we’ll mail you a check for the decreased amount.

Your secured credit card limit matches your total deposit, with a minimum limit of $300. You can’t carry a balance higher than your credit limit.