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How do I decrease my GO2bank Secured Credit Card credit limit?

To decrease your credit limit, log in to your GO2bank account. Note, you cannot decrease your credit limit below $100 or below your current secured credit card balance.

In the GO2bank app:

  1. Tap the “Credit” tab on the home screen.
  2. Tap “More account details”.
  3. Tap the 3 dots (“…”) at the top right corner of the screen. A menu with more options will appear.
  4. Tap “Adjust credit limit”.
  5. On the next screen, tap “Decrease my credit limit”.
  6. Next, you’ll see screens allowing you to transfer money from your security deposit to your GO2bank checking available balance.

On GO2bank.com:

  1. Log in to your account.
  2. Select the “>” on the top right corner of the secured credit card section.
  3. Select the 3 dots (“…”) at the top right corner of the screen. A menu with more options will appear.
  4. Select “Adjust credit limit”.
  5. On the next screen, select “Decrease my credit limit”.
  6. Next, you’ll see screens allowing you to transfer money from your security deposit to your GO2bank checking available balance.

IMPORTANT: Transfers to your GO2bank checking available balance are immediate. We report your credit line decrease activity to the 3 credit bureaus and this may impact your credit score. You can only decrease your credit limit once in 30 days.

Refer to your GO2bank Cardholder Agreement & Security Agreement for more details.

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* When on a desktop, hover over * to view important disclosures. When on a mobile device, click on * to view disclosures.

Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. Mobile number verification, email address verification and mobile app are required to access all features. See GO2bank Deposit Account Agreement (PDF) and GO2bank Secured Credit Cardholder Agreement and Security Agreement (PDF) for fees, terms and conditions.

GO2bankTM cards are issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association.

GO2bank is Green Dot's flagship mobile bank account. Green Dot has serviced more than 80 million accounts over the last 25 years.

Green Dot Bank also operates under the following registered trade names: GO2bank, GoBank and Bonneville Bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage up to the allowable limits.

All third-party names and logos are trademarks of their respective owners. These owners are not affiliated with Green Dot Bank and have not sponsored or endorsed Green Dot products or services. Neither Green Dot Bank, Green Dot Corporation, nor Visa U.S.A Inc. or any of their respective affiliates are responsible for products or services provided by third parties. Third party terms and conditions apply.

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