Since a credit card is a loan given to the customer by the bank, this loan must be granted according to certain criteria and within a certain limit. As a user, your credit card usage can change from period to period. That is why the need to increase credit card limits can arise.
Can the credit card limit be increased without the customer's instruction?
The customer's instruction is mandatory for the credit card limit to be increased.
Can the bank increase the credit card limit without the customer's knowledge?
A credit card limit increase is a transaction made by banks in line with the customer's instruction. Banks cannot increase a customer's limit without the customer's instruction.
What do banks base periodic limit increases on?
When increasing a customer's limit, banks take into account criteria such as:
- Credit Bureau (KKB) score
- The date the first credit card was obtained
- Current income information
- Current card debt
- The total limits of cards issued by other banks
For the limit increase to be approved:
- Send your current income information to the bank
- Keep your Credit Bureau (KKB) score high
- Pay your card debt regularly
- Lower the limits of the cards you use at other banks
- Use your credit card actively
- If you got your first card less than 1 year ago, wait for the year to pass.
For example, if your monthly income is 3,000 TL:
- if you got your first card within the last year, your card limit cannot exceed 6,000 TL.
- if you got your first card more than a year ago, your card limit cannot exceed 12,000 TL.
