What options do I have to automatically manage my credit limit?

To manage your credit limit, you can set up rule-based early payments that are triggered at your desired credit limit utilization percentage. Enabling early payments helps prevent card declines by protecting your spending room automatically. When a one-time early payment is triggered, you’ll be notified in advance and have 24 hours to cancel your payment before it’s processed.

You can change your credit limit utilization trigger or disable early payments at any time.

Enable early payments

Step 1: In your dashboard, go to Accounts > Credit.

Step 2: Click Make payment and select Set up early payments.

Step 3: From the dropdown, choose your payment account and use the slider below to specify your utilization percentage (the amount that will trigger an early payment). Click Next.

Note: Early payments won’t affect your autopay settings. Any currently processing one-time payments will still go through.

Step 4: Look over the early payment setup and click Confirm.

You’ve now set up parameters to manage your credit utilization. You can view your account’s current early payment settings by going to Make payment > Manage early payments. You can also look under the Payments tab on the Credit page to view past or upcoming payments triggered by the rule.

Modify early payments

Step 1: In your dashboard, go to Accounts > Credit.

Step 2: Click Make payment and select Manage early payments.

Step 3: From the dropdown, choose your payment account, and use the slider below to specify your utilization percentage (the amount that will trigger an early payment). Click Next.

Note: Any early payments that are currently scheduled or processing won’t be affected.

Step 4: Look over the early payment setup and click Confirm.

You can view your account’s current early payment settings by going to Make payment > Manage early payments. You can also look under the Payments tab on the Credit page to view past or upcoming payments triggered by the rule.

Disable early payments

Step 1: In your dashboard, go to Accounts > Credit.

Step 2: Click Make payment and select Manage early payments.

Step 3: Click Disable Payment Rule.

Note: While proceeding will disable early payments, it won’t affect any currently processing or scheduled one-time payments.

Step 4: Click Confirm to disable early payments.

You can view your account’s current settings by going to Make payment > Manage early payments. You can also look under the Payments tab on the Credit page to view past or upcoming payments triggered by the rule.