Q: What does temporary credit limit mean?
A: A temporary credit limit is a line of credit, usually offered through an online application and approval,
that you can use immediately to make purchases on the Internet, over the phone, or through the mail.
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Q: What is an authorization?
A: An authorization is a hold placed on your account for a purchase. When the merchant receives authorization to
place the charge on your credit card account, that amount is subtracted from your available credit. The authorization
stays on your account for four business days or until the charge posts, whichever is first. An authorization will
immediately reduce your available credit, but it does not affect the balance you owe until the charge is actually
posted to your account.
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Q: What is a credit line?
A: A credit line is the total amount of credit you have been given for purchases and cash advances.
Some accounts may have additional credit lines for special purchases or special transfers.
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Q: How can I request a credit line increase on my credit card?
A: To request a credit line increase, please call our Customer Relations department at 1-800-955-7070.
Options are now available to do this quickly and easily through our automated phone system.
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Q: What does "total current balance" mean?
A: Total current balance is the total unpaid amount of all purchases, cash advances,
special purchases or transfers, finance charges, and fees.
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Q: What is "available credit"?
A: Available credit is the amount of open credit you have available. Outstanding authorizations for
charges that have not yet posted to your account reduce your available credit.
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