How Stoneberry sets your credit limit
You see your limit during online pre-qualification. The retailer does not publish how it calculates limits. Store credit accounts generally weigh your credit history, existing debts and the details you provide. New accounts often start small. Customers report starting offers in the low hundreds of dollars, and some catalog mailers advertise a $200 starting limit.
Credit limit vs available credit
Your credit limit is the maximum. Your available credit is what you can spend today. The help center calculates it as your limit minus your current balance minus any orders that have not shipped yet.
| Item | Example |
|---|---|
| Credit limit | $600 |
| Current balance | − $220 |
| Order placed, not yet shipped | − $150 |
| Available credit | $230 |
A $250 order in this example would be declined, even though the limit is $600. Check available credit in your online account before every order.
Shared limit across sister stores
One limit covers the retailer and its sister stores, Masseys and Mason Outfitters. An unshipped shoe order at a sister store reduces what you can spend on the main site. If an order is declined, look for pending orders across all the stores. More on that in stores that accept Stoneberry Credit.
How to raise your Stoneberry credit limit
- Pay on or before the due date every month.
- Pay more than the minimum so the balance drops quickly.
- Avoid stacking several orders back to back.
- Keep your income and contact details current in your account.
- After six or more months of on-time payments, ask customer service whether a limit review is available.
The retailer does not publish a schedule for automatic increases. Treat any timeline you read online as one person’s experience, not a rule.
Why your limit might go down
Limits can be cut after late payments, a balance close to the limit, or negative changes on your credit report. A cut can also trigger down payment requests on new orders. If your limit drops, ask customer service for the reason in writing.
Order declined? Try this first
- Check available credit, not just your limit.
- Look for unshipped orders at the retailer and its sister stores.
- Make a payment if your balance is close to the limit, then wait for it to post.
- Call before reordering. Repeated attempts can lead to down payment requests.
For what the retailer looks at when approving each order, see Stoneberry approval requirements.
Does a bigger limit save money?
No. A higher limit only lets you borrow more. The cost of the account is driven by item prices and interest. Using a large share of your limit can also hurt your credit utilization if the account is reported. Before using new room on your limit, run the numbers in the Stoneberry payment calculator.